We Accept Ameritas — Marlborough, MA Dentist
Out-of-network with Ameritas. You can still be seen here — we file your claim for you and give you a written estimate before treatment.
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
The figures above describe typical plan benefits, including in-network rates. We are out-of-network; your benefits here may differ. We verify benefits after you book and return your appointment forms, and call with the breakdown within three business days. Coverage depends on your specific plan; your estimated share is explained 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 pays toward care at any licensed dentist. We are out-of-network with Ameritas, so that out-of-network benefit is the one that applies here. 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.
Book OnlineFamily & 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
We are out-of-network with Ameritas (Ameritas Classic and Ameritas PPO), and many Ameritas PPO plans still apply benefits toward care at our Marlborough, MA office. Coverage varies by plan, so we verify your individual benefits before treatment. We verify benefits after you book and return your appointment forms, and call with the breakdown within three business days. Coverage depends on your specific plan; your estimated share is explained before treatment.
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 plan figures, including in-network rates. We are out-of-network, so benefits here may differ. We verify benefits after you book and return your appointment forms, and call with the breakdown within three business days. Coverage depends on your specific plan; your estimated share is explained 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. We verify benefits after you book and return your appointment forms, and call with the breakdown within three business days. Coverage depends on your specific plan; your estimated share is explained before treatment.
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. Because we are out-of-network with Ameritas, the plan pays its out-of-network rate and you cover the difference; we put that number in writing before treatment. 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. We verify benefits after you book and return your appointment forms, and call with the breakdown within three business days. Coverage depends on your specific plan; your estimated share is explained before treatment.
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. 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 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.
Innova Smiles is the DBA of I-Smile Dental Arts Studio, P.C. Some directories may list the legal name. A directory listing does not confirm your specific network status or benefits. We verify benefits after you book and return your appointment forms, and call with the breakdown within three business days. Coverage depends on your specific plan; your estimated share is explained before treatment.
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. 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.