Dental Insurance & Financing in Marlborough, MA
Quality dental care should be accessible. We accept all PPO plans and select HMO plans, offer an in-house membership, and offer 0% APR financing through Cherry, subject to credit approval. We also accept CareCredit.
In-network plans
Delta Dental (Premier and PPO) · Blue Cross Blue Shield of MA (Dental Blue PPO, Dental Blue 65 and Medicare HMO plans) · Cigna and Altus (select plans) · Guardian · Humana · Aetna and MetLife plans in Guardian's network-sharing agreement · United Concordia plans in Humana's network-sharing agreement
Out-of-network, but we file your claim and give you a written estimate first: UnitedHealthcare · Ameritas · Principal · Aetna and MetLife plans outside Guardian's network-sharing agreement · United Concordia plans outside Humana's network-sharing agreement.
Out-of-network visits are billed at our own fee, and your plan reimburses whatever it covers. You get the written estimate before treatment either way.
After booking and returned appointment forms, we check your benefits and call with a breakdown within three business days.
You can still come in if benefits are not yet confirmed. Our team will help work through your options. Same-day verification depends on the plan and is not guaranteed. Before treatment, our team will explain any unresolved coverage and your estimated patient responsibility.
Dental insurance and financing at Innova Smiles in Marlborough, MA
Innova Smiles, Dr. Ambereen Fatima’s dental practice in Marlborough, MA, accepts all PPO plans and files the claim for you; in-network carriers are listed below. Once you book and return your appointment forms, we check your benefits and call with a breakdown within three business days. For anything insurance does not cover: 0% APR financing through Cherry, subject to credit approval. CareCredit is also accepted. Fee ranges are on our pricing page.
In-network: Delta Dental (Premier and PPO) · Blue Cross Blue Shield of MA (Dental Blue PPO, Dental Blue 65 and Medicare HMO plans) · Cigna and Altus (select plans) · Guardian · Humana · Aetna and MetLife plans in Guardian's network-sharing agreement · United Concordia plans in Humana's network-sharing agreement.
Out-of-network, but we file your claim and give you a written estimate first: UnitedHealthcare · Ameritas · Principal · Aetna and MetLife plans outside Guardian's network-sharing agreement · United Concordia plans outside Humana's network-sharing agreement.
Accepted Insurance Plans
We accept all 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: Blue Cross Blue Shield Medicare HMO is the one Medicare Advantage plan we are in-network with. Other Medicare Advantage plans are out-of-network — you can still be seen, and we file your claim. We do not participate in MassHealth or Medicaid. No insurance? Explore our In-House Membership Plan. New patients can also take advantage of our $149 New Patient Special.
Wait, Are There Waiting Periods?
Many employer PPO plans impose waiting periods of 6 to 12 months for major procedures like crowns, bridges, and implants. Understanding these clauses before you begin treatment is critical to avoiding surprise bills.
Read our Guide on Insurance Waiting Periods →Estimate Your PPO Insurance & Monthly Payment
Calculate an estimated breakdown of your PPO insurance coverage before your visit.
What Your Plan Helps Cover
Most PPO plans cover preventive visits in full and a share of restorative and major treatment. Explore the care we provide:
Corporate & Employee Benefits
Work at a MetroWest employer? We offer dental benefit information for employees of local companies. Your plan determines network status and benefits; we file claims on your behalf.
Payment Options
Flexible ways to handle your balance.
Insurance
We maximize your benefits by filing claims for you. We accept all PPO plans.
Financing
0% APR monthly payment plans through Cherry, subject to credit approval. We also accept CareCredit, whose promotional plans are deferred interest: if the balance is not paid in full within the promotional period, interest is charged from the purchase date.
Membership
No insurance? Our in-house plan creates predictable costs for preventive care.
Transparency
You see a detailed treatment plan with estimated costs before any work begins.
In-House Membership Plan
Predictable costs for preventive care and discounts on all treatments. No deductibles, no maximums, no waiting periods.
- 2 Exams & Cleanings per year
- All Necessary X-Rays
- 20% Off All Treatments
Monthly Payment Plans
Break up larger treatment costs into manageable monthly payments with our trusted partners.
A healthcare credit card. We offer its no-interest promotional plan on purchases of $200 or more, which is deferred interest: no interest if paid in full within the promotional period; otherwise interest is charged from the purchase date. Subject to credit approval.
Flexible payment plans with a quick soft credit check and clear payment schedules. Subject to credit approval.
Compare Your Payment Options
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. Its no-interest promotional plan on purchases of $200 or more is deferred interest: no interest if paid in full within the promotional period; otherwise interest is charged from the purchase date. Subject to credit approval. |
| Cherry | Flexible monthly plans with a soft credit check. Subject to credit approval. |
| 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. |
Understanding Your Investment
While every treatment plan is unique, understanding what factors into the cost can help you prepare. Wondering about implant prices? Try our Implant Cost Calculator.
Common Questions About Costs & Insurance
Do you accept my dental insurance?
We are in-network with Delta Dental (Premier and PPO), Blue Cross Blue Shield of MA (Dental Blue PPO, Dental Blue 65 and Medicare HMO plans), Cigna and Altus (select plans), Guardian and Humana. Many Aetna and MetLife plans are also in-network through Guardian's network-sharing agreement, and many United Concordia plans through Humana's network-sharing agreement; we are out-of-network with UnitedHealthcare, Ameritas, Principal and the Aetna, MetLife and United Concordia plans outside those agreements — we still file your claim and give you a written estimate first. We do not accept MassHealth or Medicaid. Once you've booked your appointment and returned your forms, we'll verify your insurance benefits and call you with a breakdown within three business days.
What if I don't have insurance?
Our in-house membership plan includes preventive visits for one annual fee (from $395/year for an individual) and takes a flat 20% off our standard fees on other treatment. It is a savings plan we run ourselves, not insurance. 0% APR financing through Cherry is available, subject to credit approval.
Why does my insurance directory list I-Smile Dental Arts Studio instead of Innova Smiles?
Innova Smiles is the DBA of I-Smile Dental Arts Studio, P.C. Some insurance directories may list the legal name. A directory listing does not establish your specific network status or benefits. Benefits verification starts after booking and returned appointment forms; we call with the breakdown within three business days.
What dental insurance plans does Innova Smiles accept?
Innova Smiles accepts all PPO dental insurance plans and files your claim either way. We are in-network with Delta Dental (Premier and PPO), Blue Cross Blue Shield of MA (Dental Blue PPO, Dental Blue 65 and Medicare HMO plans), Cigna and Altus (select plans), Guardian and Humana. Many Aetna and MetLife plans are also in-network through Guardian's network-sharing agreement, and many United Concordia plans through Humana's network-sharing agreement; UnitedHealthcare, Ameritas, Principal and the Aetna, MetLife and United Concordia plans outside those agreements are out-of-network — you are welcome here and the plan pays its out-of-network rate. Benefits verification is complimentary. Once you've booked your appointment and returned your forms, we'll verify your insurance benefits and call you with a breakdown within three business days. 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, call (508) 481-0110 or see our insurance page for information. Your estimated share is explained before treatment.
How do I maximize my dental insurance benefits?
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. Benefits verification starts after booking and returned appointment forms; we call with the breakdown within three business days.
What if my dental insurance doesn't cover a procedure?
If your insurance does not fully cover a recommended treatment, Innova Smiles offers several affordable options. We offer 0% APR financing through Cherry, subject to credit approval, and we also accept CareCredit. We also offer an in-house membership plan for patients without insurance that includes preventive care and a flat 20% off our standard fees on additional treatments.
Does Innova Smiles offer payment plans without insurance?
Yes. We believe cost should never prevent you from receiving quality dental care. Innova Smiles offers 0% APR financing through Cherry, subject to credit approval, and we also accept CareCredit. 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.
Can I use two dental insurance plans at the same time?
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.
What if my dental plan isn't listed among your accepted insurances?
Many PPO plans provide out-of-network benefits, but coverage depends on your specific plan. We file claims on your behalf and explain your estimated share before treatment. Benefits verification starts after booking and returned appointment forms; we call with the breakdown within three business days.