Dental Insurance – Braintree, MA
Enjoy Excellent and Affordable Oral Healthcare

Dental insurance is an excellent way to reduce the cost of the oral healthcare you need to keep your smile in great shape for life, and choosing a dentist who is in network with your insurance provider can help you get the most out of the benefits you pay for. Here’s a quick look at how dental insurance works and how the skilled team at OB1 Dental can help you maximize the value of your policy.

How Dental Insurance Works

Dental insurance involves the policyholder paying a monthly premium in return for the insurance provider paying for part of their oral healthcare, and group plans offered by many employers allow people to get insurance at more affordable rates. Most plans offer coverage that works something like this:

100% coverage for routine preventive care such as checkups, cleanings, and X-rays.
80% coverage for minor restorative work like periodontal therapy and dental fillings.
50% coverage for major restorative work like dentures and bridges.
No coverage for elective cosmetic procedures in almost all cases.

Orthodontic work may be covered depending on the details of your plan. PPO plans usually impose restrictions like annual maximums, waiting periods before the insurance takes effect, and a deductible that must be met before coverage starts. HMO plans, on the other hand, have few to no terms other than requiring policyholders to see an in-network dentist to receive any coverage.

What Is the Difference Between Dental & Medical Insurance?

Medical insurance plans are usually designed to provide more coverage in case of unexpected health issues. Dental insurance, on the other hand, is typically designed to encourage policyholders to receive preventive care that helps them avoid destructive oral infections that can make costly treatments more necessary. This helps patients stay healthy while keeping rates low, and the best way to make the most of your policy is to schedule regular exams and cleanings at our Braintree office every six months.

In-Network vs. Out-of-Network

Patients with PPO policies usually have the choice of seeing an in-network or an out-of-network provider. HMO policyholders, on the other hand, are usually restricted to seeing only in-network dentists.

In-Network Coverage

Seeing an in-network dentist will allow you to receive more coverage than seeing an out-of-network provider. At OB1 Dental, we are proud to partner with insurance providers like Delta Dental and Blue Cross Blue Shield.

Out-of-Network

A dentist being out of network with your insurance provider means that they have not negotiated with the company for lower rates. PPO policyholders will probably still receive some coverage while seeing an out-of-network dentist, but they may not save as much money as they would have if they saw an in-network dentist.