Current offers: $0 Exam, Cleaning and X-Rays with Insurance. 0% Financing Available. In-House Membership for $395 per year (lump-sum). Same-Day Appointments Available.
We accept Guardian Dental insurance. Book your consultation today to use your available benefits.
Preventive
100% in-network (exams, cleanings, X-rays)
Basic
80% after deductible (fillings, extractions)
Major
50% after deductible (crowns, bridges, implants vary by plan)
Annual Maximum
$1,000–$2,500 depending on employer plan
Waiting periods: None for preventive; basic and major vary by plan
Coverage varies by specific employer plan. We verify your individual benefits before treatment.
Guardian DentalGuard plans are especially popular among small and mid-size employers in the MetroWest corridor — we are familiar with their plan structures and claims process. One useful detail: Guardian processes pre-determinations faster than most carriers, usually within 7-10 days, so if you need advance cost confirmation for a crown, bridge, or implant, we can get you an answer quickly. Some Guardian plans also include a whitening benefit with a lifetime maximum — ask our front desk if yours does.
As a patient-focused practice, we help you get the most out of your Guardian coverage for family dental care, cosmetic dentistry, and restorative treatments. Insurance can be confusing, but our team handles the paperwork, claims, and pre-determinations for you.
Most Guardian 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.
Most Guardian 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.
* Coverage varies by specific plan. We will verify your individual benefits prior to treatment.
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.