Dental Insurance – Northborough, MA
Get the Most Out of Your Benefits
Do you have dental insurance? Whether your policy is something you bought on your own or have through your employer, you can be sure that it is a valuable asset! Still, you might be curious about how you can get the most out of your benefits. Our Northborough dental team is eager to assist you. Not only do we welcome insurance, but we also have outstanding expertise in that area. Continue reading to learn more about how we can help you maximize your coverage.
How Dental Insurance Works
Every dental insurance policy comes with its own set of benefits, rules, and stipulations. You should set aside a bit of time to familiarize yourself with the parameters of your unique plan. In the meantime, here is a generalized overview of the coverage that is available with many standard PPO policies:
- Routine preventive care is often 100% covered.
- Basic services are usually up to 80% covered.
- Major services may be around 50% covered.
Every insurance company classifies treatments differently, so if you are not sure which category a specific service falls into, it is best to ask your insurer.
Your plan may also come with a deductible, waiting periods, and an annual maximum benefits amount.
What Is the Difference Between Dental & Medical Insurance?
Medical insurance is meant to help you care for your head-to-toe health, so it covers things like routine physicals, preventive screenings, and care for a range of systemic health conditions. It does not typically apply to dental services, like cleanings, exams, and fillings. Dental insurance does often cover those things.
In some cases, there is a small bit of crossover between the two types of insurance. For example, they might both apply to certain types of oral surgery.
In-Network vs. Out-of-Network
Whether our practice is in your insurance network or outside of it, we are ready to welcome you as a patient. In either case, we want to help you get the greatest value out of your benefits.
In-Network Coverage
If we are in-network with an insurance company, we have a contract with them that manages prices and care. Often, out-of-pocket fees are lowest for patients who visit an in-network provider.
Our practice is in-network with many insurance plans, including those from:
- Delta Dental
- MetLife
- BlueCross BlueShield
- Guardian
- Cigna
- Aetna
- Altus
- Assurant
- United Concordia
- United Healthcare
- And more!
Out-of-Network
If you have a PPO dental plan, you can use your benefits at virtually any dental practice, regardless of network status. Even if we are not in your network, we still encourage you to see what we have to offer. Not only can you expect to receive top-quality care, but you may be pleasantly surprised by how your insurance coverage may still have a substantial impact on your financial obligation.