We Accept Ameritas — Marlborough, MA Dentist
Use your Ameritas dental insurance here. We handle the paperwork to ensure you get the most from your plan.
Medically reviewed by Dr. Ambereen Fatima, D.D.S. — FICOI · FAAIP · 13+ years in clinical practice · Last reviewed · Meet Our Team
Typical Ameritas Coverage
Preventive
100% in-network (exams, cleanings, bitewing X-rays)
Basic
80% after deductible (fillings, extractions, root canals)
Major
50% after deductible (crowns, implants on some plans)
Annual Maximum
$1,000–$2,000 on Classic plans
Waiting periods: Group plans: none; individual plans: up to 12 months for major
Coverage varies by specific employer plan. We verify your individual benefits before treatment.
Ameritas — Good to Know
- Ameritas runs a rewards carryover feature (Dental Rewards / Maximum Rewards) that banks part of your unused annual maximum for next year as long as you visit and stay under the threshold
- Skipping a year usually breaks the carryover and forfeits what you've banked, so even a routine cleaning protects the reward
- Ameritas administers many self-funded employer plans, so two members with the same plan name can have different deductibles, maximums, and waiting periods
- Common among tech companies and startups along the I-495 corridor; PPO plans still pay a reduced benefit if you go out-of-network
- Individual Ameritas policies can hold major work for up to 12 months; group plans typically have no waiting period, we verify yours before scheduling
How to Get the Most from Your Ameritas Plan
The feature worth knowing about with Ameritas is their carryover, often called Dental Rewards or Maximum Rewards. If you visit the dentist at least once during the year and keep your total claims under a set threshold, Ameritas rolls a chunk of your unused annual maximum into next year, and it keeps stacking as long as you don't lapse. Patients who skip a year break the chain and lose what they banked, so even if you only need a cleaning, coming in protects the reward you've built. Ameritas also gives you freedom of choice: their PPO lets you go out-of-network and still get some benefit, but in-network at our office your fees are set lower, so you keep more of your annual maximum for actual treatment. We see Ameritas most often through tech employers and smaller companies along the I-495 corridor, and a fair number of those are self-funded plans Ameritas only administers, which can change the exact coverage even under the same plan name. On individual Ameritas policies, major work can sit behind a waiting period of up to 12 months. We verify your specific plan, your carryover balance, and any waiting periods before we map out timing.
What Ameritas members should know
Ameritas is a Nebraska-based carrier that shows up a lot here through technology companies and startups, and their standout feature is the rewards carryover that most members never fully use. To keep it, you generally need at least one dental visit in the year and total paid claims under a stated limit, and the banked amount carries forward year after year until you let the plan lapse. That makes a simple six-month cleaning worth more than it looks. Ameritas also administers a lot of self-funded employer plans, meaning your employer designed the actual coverage and Ameritas just processes it. Two people both holding an "Ameritas Classic" card can have different deductibles, maximums, and waiting periods, so rather than assume, we pull your specific benefits. Group plans through an employer typically have no waiting periods, while an individual policy you bought yourself can hold major work for up to a year. Some Ameritas plans also fold in vision or hearing, which won't apply to dental visits but is worth knowing at open enrollment. Bring your card and we'll confirm your network, your carryover, and your remaining maximum before treatment.
Maximize Your Ameritas Benefits
We bill Ameritas directly and handle the claims and pre-treatment estimates ourselves, so you can focus on the dentistry instead of the paperwork. If something about your plan is unclear, we confirm it before your visit — whether you're in for a cleaning, cosmetic work, or a bigger restorative case.
- Direct billing to insurance
- Family dental care for all ages covered
- Pre-treatment estimates provided
- Preventive cleanings often 100% covered
Use It or Lose It
Most Ameritas plans reset on January 1st. Any unused benefits for the year typically do not roll over. Schedule your checkup or treatment now to utilize your available coverage before it expires.
Family & Preventive Services Typically Covered
Most Ameritas plans cover preventive family dental care at 80-100%. Cosmetic procedures like teeth whitening and veneers are typically not covered but may qualify for FSA/HSA funds.
Preventive Care
* Coverage varies by specific plan. We will verify your individual benefits prior to treatment.
Common Questions About Ameritas
Yes. Innova Smiles is an in-network Ameritas dental provider in Marlborough, MA, and we accept Ameritas Classic and Ameritas PPO plans. Coverage varies by your specific employer plan, so we verify your individual benefits before any treatment begins. Call (508) 481-0110 to confirm your coverage.
Yes. Our team submits your Ameritas claims directly so you do not have to handle the paperwork yourself. For larger treatments such as crowns, bridges, or implants, we can request a pre-treatment estimate from Ameritas first, so you know your expected out-of-pocket cost before we begin. Coverage varies by plan; we verify your benefits before treatment.
On most Ameritas plans, preventive care is 100% in-network (exams, cleanings, bitewing X-rays); basic procedures are 80% after deductible (fillings, extractions, root canals); major work is 50% after deductible (crowns, implants on some plans). Annual maximums typically run $1,000–$2,000 on Classic plans. These are typical figures only — coverage varies by your specific employer plan, so we verify your individual benefits before treatment. Call (508) 481-0110 for a personalized estimate.
Ameritas lets you bank part of your unused annual maximum and carry it into the next year, building a larger pool for future treatment. To earn it you generally need at least one dental visit during the year and need to keep your total claims under a stated dollar limit. The banked amount stacks year over year as long as you stay enrolled and keep meeting those conditions. If you skip a year or your claims exceed the limit, you can lose what you've built. The exact thresholds vary by plan, so we can pull your remaining maximum and carryover status when we verify your benefits. Call (508) 481-0110 and we'll check it for you.
Ameritas administers a large number of self-funded employer plans, which means your employer actually designs the benefits and Ameritas processes the claims. Because of that, two people both carrying an "Ameritas Classic" or PPO card can have different deductibles, annual maximums, covered percentages, and waiting periods depending on how each employer built the plan. Rather than read coverage off the plan name, we verify your individual benefits directly with Ameritas before treatment. Call (508) 481-0110 and have your member ID ready.
On most Ameritas PPO plans, yes, you still get a benefit out-of-network, just at a reduced reimbursement level, which means a higher out-of-pocket cost for you. Staying in-network at our office uses the lower contracted fees, so more of your annual maximum goes toward actual treatment instead of the gap. Some Ameritas Classic plans give you wide freedom of choice with similar coverage at most dentists. Because the reimbursement math differs by plan, we verify your specific in-network and out-of-network benefits before treatment. Call (508) 481-0110 for a personalized estimate.
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.