Dental Insurance – Westborough, MA

How Dental Insurance Works

Dental insurance plans can vary greatly in their details. Here is a general overview of the coverage provided by many standard PPO policies:

• Preventive care: 100% covered.
• Minor services: Up to 80% covered.
• Major services: Up to 50% covered.
• Orthodontia: Up to 50% covered on some premium plans.
• Cosmetic treatments: Generally not covered.

Your plan may also come with a deductible, a waiting period before you can use your benefits for certain services, and an annual maximum (a yearly limit on how much your insurance will pay for approved services).

What Is the Difference Between Dental & Medical Insurance?

Medical insurance focuses on patients’ overall wellness. It covers preventive physicals and other basic services. However, it does not cover preventive dentistry. It might kick in for certain major oral procedures, such as some types of oral surgery.

Dental insurance, on the other hand, is all about prevention. It provides higher levels of coverage for basic services with the goal of helping you reduce your risk of cavities, gum disease, and other serious oral health problems.

In-Network vs. Out-of-Network

Whether we are in your insurance plan’s network or outside of it, we invite you to call us to learn how you may be able to use your benefits in our practice. We want to help you maximize the value of your plan while minimizing your out-of-pocket expenses.

In-Network Coverage

If we are in-network with your dental plan, it simply means we have a contract with your insurance company that controls prices and encourages a certain standard of care. In most cases, patients’ out-of-pocket costs are slightly lower at in-network practices.

We are proud to be in-network with:

• Delta Dental
• BlueCross BlueShield
• MetLife
• Cigna
• United Healthcare
• Aetna
• Guardian
• Atlus Dental
• United Concordia
• Assurant 
• And more!

Out-of-Network

Most PPO dental plans allow patients to use their benefits at any practice, regardless of their network status. Even if we are not in your plan’s network, therefore, you are still welcome to see us! We can help you understand how your benefits apply, file claims in your behalf, and more.