Current offers: $0 Exam, Cleaning and X-Rays with Insurance. 0% Financing Available. In-House Membership from $25 per month. Same-Day Appointments Available.
Quality dental care should be accessible. We accept most PPO plans and select HMO plans, offer an in-house membership, and provide 0% financing through CareCredit and Cherry.
We accept most major PPO plans and file claims on your behalf to maximize your benefits.
Have insurance? Your cleaning + fluoride may be $0 out-of-pocket. See our specials.
Note: We accept most Medicare plans and some HMO plans. Please call us for more details. We currently do not participate in MassHealth/Medicaid. No insurance? Explore our In-House Membership Plan. New patients can also take advantage of our $149 New Patient Special.
Work at a MetroWest employer? We offer dedicated dental benefit programs for employees of local companies. We are in-network with most corporate dental PPO plans and file all claims on your behalf.
Flexible ways to handle your balance.
We maximize your benefits by filing claims for you. We accept most major PPO plans.
Split costs into monthly payments with Cherry or CareCredit, often with 0% interest.
No insurance? Our in-house plan creates predictable costs for preventive care.
You see a detailed treatment plan with estimated costs before any work begins.
Predictable costs for preventive care and discounts on all treatments. No deductibles, no maximums, no waiting periods.
Break up larger treatment costs into manageable monthly payments with our trusted partners.
The leading healthcare credit card. Pay over time with promotional financing options for qualifying purchases.
Flexible payment plans with quick, soft credit checks. High approval rates and clear payment schedules.
Every patient’s situation is different. Here’s how each option works.
| Option | How It Works |
|---|---|
| PPO Insurance | We file claims and maximize your coverage. Preventive visits often covered at 100%. |
| CareCredit | Healthcare credit card with promotional 0% interest periods over 6–24 months. |
| Cherry | Flexible monthly plans with a soft credit check. High approval rates. |
| HSA / FSA | Pay with pre-tax dollars from your health savings account. We accept HSA/FSA cards. |
| Membership | Annual plan: 2 exams, cleanings, X-rays, and 20% off all treatments. No deductibles. |
While every treatment plan is unique, understanding what factors into the cost can help you prepare.
Innova Smiles accepts most major PPO dental insurance plans, including Delta Dental, Cigna, Aetna, MetLife, Guardian, Blue Cross Blue Shield, United Healthcare, United Concordia, Humana, and many others. We provide complimentary insurance verification before your first visit so you know exactly what your plan covers and what your estimated copay will be. Our billing team files all claims on your behalf and works to maximize your annual benefits. If you are unsure whether your plan is accepted, simply call (508) 481-0110 or submit your insurance details through our website — we will confirm your coverage within one business day.
To get the most from your dental insurance, schedule both of your covered preventive visits (exams and cleanings) each year — most plans cover these at 100% with no out-of-pocket cost. Use your remaining annual maximum for any needed treatments before your plan resets, typically on January 1st. If you need a major procedure, consider starting treatment before your annual maximum resets and completing it in the new year to use two years of benefits. Our team at Innova Smiles provides detailed pre-treatment estimates so you know exactly what your plan covers before starting any procedure. We also help coordinate dual insurance for patients with two plans. Call (508) 481-0110 and our benefits coordinator will review your specific plan.
If your insurance does not fully cover a recommended treatment, Innova Smiles offers several affordable options. We provide flexible payment plans through CareCredit and Cherry financing with low or zero-interest options. We also offer an in-house membership plan for patients without insurance that covers preventive care and provides discounts on additional treatments.
Yes. We believe cost should never prevent you from receiving quality dental care. Innova Smiles offers interest-free and low-interest financing through CareCredit and Cherry, with flexible monthly payment options. We also have an affordable in-house membership plan that bundles preventive exams, cleanings, and X-rays at a discounted annual fee, plus reduced rates on restorative and cosmetic treatments.
Yes, if you have coverage under two dental insurance plans — for example, your own employer plan and a spouse's plan — you may be able to coordinate benefits. This is called dual coverage and can significantly reduce your out-of-pocket costs. Our billing team at Innova Smiles is experienced in coordinating dual insurance claims to help you maximize your combined benefits.
Even if your specific plan isn't listed, you may still have coverage for visits to our office. Many PPO plans provide benefits for any licensed dentist. We offer complimentary insurance verification before your first visit — call us at (508) 481-0110 and our team will check your specific plan's coverage so you know exactly what to expect.