Dental Insurance Wellesley

Get More Out of Your Dental Benefits

If you have a dental insurance plan, you can truly count yourself fortunate! Not only can it grant access to low-cost preventive services, but it may also greatly reduce your out-of-pocket obligation for more extensive treatments, such as restorative procedures. But what steps do you need to take in order to get the most out of your benefits? Our Wellesley dental team is here to assist you. As an insurance-friendly practice, we have all the expertise needed to help you fully utilize your policy.

How Dental Insurance Works

Every dental insurance plan is unique, with its own set of coverage levels, fees, and stipulations. It is important that you take time to learn the details of your specific policy. In the meantime, here is a basic overview of the coverage that you may find with many standard PPO plans:

• Preventive care is up to 100% covered.
• Basic services are often around 80% covered.
• Major services are usually 50% covered.
• Coverage can vary greatly for advanced services, such as braces and dental implants.
• Cosmetic treatments rarely receive any coverage unless they have concrete oral health benefits.

What Is the Difference Between Dental & Medical Insurance?

Medical and dental insurance focus on different aspects of your overall wellness. Medical coverage is meant to support your systemic health, so it covers things like physicals, emergency room visits, and management of various illnesses. It does not typically apply to most dental services, including cleanings, exams, fillings, crowns, etc. Dental insurance, on the other hand, does cover those things. In fact, it usually places a strong emphasis on preventive oral services.

In rare cases, there is a degree of overlap between dental and medical insurance. For example, they might both apply to certain types of oral surgery.

In-Network vs. Out-of-Network

Whether our Wellesley dental clinic is inside your insurance network or not, we warmly invite you to see how we can serve you. We are even happy to file claims for many out-of-network plans!

In-Network Coverage

To be in-network with an insurance company, we must agree to a contract, which is designed to keep prices low for patients and encourage a specific standard of care. In most cases, out-of-pocket fees are lowest at in-network practices. At Wellesley Dental Group, our team is in-network with:

• Delta Dental
• BlueCross BlueShield
• Guardian
• Cigna
• Aetna
• Altus
• Assurant
• United Concordia
• And more — Call us to find out if we are in-network with your plan.

Out-of-Network

If your insurance provider is not listed above, you are still welcome to visit us. We can file claims for virtually any PPO plan. You might be pleasantly surprised by how fully you can use your benefits even when you are out-of-network. Remember, your priority should be to visit a dental team whom you are confident will take excellent care of your smile.