Dental Costs, Insurance & Financing
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.
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
Out-of-network, but we file your claim and give you a written estimate first: Aetna · MetLife · UnitedHealthcare · Ameritas · United Concordia · Principal.
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.
We check your plan before a scheduled visit. If you come in the same day with pain or a broken tooth we will verify while you are here, and you will still have your share in writing before any treatment starts.
Accepted Insurance Plans
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: 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 and monthly payment options (0% interest via CareCredit or Cherry) 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 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.
Payment Options
Flexible ways to handle your balance.
Insurance
We maximize your benefits by filing claims for you. We accept most major PPO plans.
Financing
Split costs into monthly payments with Cherry or CareCredit, often with 0% interest.
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.
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.
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 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. |
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
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. We are out-of-network with Aetna, MetLife, UnitedHealthcare, Ameritas, United Concordia and Principal — we still file your claim and give you a written estimate first. We do not accept MassHealth or Medicaid. Call (508) 481-0110 and we'll check your plan before you book.
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% financing is available.
They are the same practice. I-Smile Dental Arts Studio, PC is our registered legal name, and it is the name most insurance carrier directories (Delta Dental, Blue Cross Blue Shield, Cigna, Aetna, and others) show for our office at 340 Maple St, Suite 100, Marlborough, MA 01752. Innova Smiles is the name we practice under day to day. If your carrier's find-a-dentist tool lists I-Smile Dental Arts Studio, PC at our address, your in-network benefits apply here exactly as shown. If you cannot find us under either name, call (508) 481-0110 and we will look it up with you. Booking is the fastest route either way — send your appointment forms back and we verify your benefits before your visit.
Innova Smiles accepts most major 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. Aetna, MetLife, UnitedHealthcare, Ameritas, United Concordia and Principal are out-of-network — you are welcome here and the plan pays its out-of-network rate. 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, call (508) 481-0110 or book online. Once you send your appointment forms back we verify your coverage, and we tell you what it means before you are in the chair.
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 includes preventive care and a flat 20% off our standard fees 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.