We Accept MetLife — Marlborough, MA Dentist
Out-of-network with MetLife, including PDP Plus. 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 MetLife Coverage
Preventive
100% in-network (2 cleanings, exams, X-rays annually)
Basic
80% after deductible (fillings, root canals, extractions)
Major
50% after deductible (crowns, bridges, dentures)
Annual Maximum
$1,000–$2,500 on most employer PDP plans
Waiting periods: None on group plans; individual plans may have 6-month waits
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.
MetLife — Good to Know
- We are out-of-network with MetLife PDP and PDP Plus. In-network discounts do not apply here; compare your plan’s out-of-network benefits.
- Benefit carryover on select plans rolls part of an unused maximum into next year if you stay under a spending threshold
- Children's orthodontic coverage usually has its own lifetime maximum, separate from the annual dental maximum
- MetLife federal (FEDVIP) plans follow different rules than standard employer group plans; tell us if you have one
How to Get the Most from Your MetLife Plan
We are out-of-network with both MetLife PDP and PDP Plus. In-network discounts do not apply here; your benefits depend on your specific plan. Certain plans also include a benefit carryover: if you stay under a set spending threshold in a calendar year, a portion of your unused maximum rolls into next year and builds a larger pool for future treatment. The simplest way to qualify is to keep both of your covered preventive visits, since cleanings and exams rarely push you over the threshold. MetLife also keeps its provider fee schedules current, so the estimate we generate tends to match the final claim closely. Before any significant treatment we pull your specific MetLife benefits and, when it's a larger case, request a pre-treatment estimate so your out-of-pocket is confirmed in writing before you commit.
What MetLife members should know
MetLife's dental network is called the Preferred Dentist Program, and you'll see it written as PDP or PDP Plus. PDP Plus is the larger network with the steeper discounts, so it's worth confirming which one your employer enrolled you in; it's printed in your plan documents or visible in the MetLife member portal. If you carry a MetLife federal plan (FEDVIP, common for federal employees and retirees), coverage rules and maximums can differ from a standard employer group plan, so let us know if that's you and we'll verify against the right schedule. MetLife's benefit carryover, where applicable, has its own threshold and cap; it isn't on every plan, so don't assume you have it. Children's orthodontic coverage on MetLife usually sits under a separate lifetime maximum apart from the annual dental maximum, which is good news if you're weighing braces or Invisalign for a teen, since ortho dollars don't eat into routine dental dollars. Whatever plan flavor you have, we verify your individual MetLife benefits before treatment and can request a pre-treatment estimate on bigger cases.
Maximize Your MetLife Benefits
We bill MetLife 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 MetLife 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 MetLife 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 MetLife
We are out-of-network with MetLife (MetLife PDP and MetLife PDP Plus), and many MetLife 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 MetLife 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 MetLife 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 MetLife plans, preventive care is 100% in-network (2 cleanings, exams, X-rays annually); basic procedures are 80% after deductible (fillings, root canals, extractions); major work is 50% after deductible (crowns, bridges, dentures). Annual maximums typically run $1,000–$2,500 on most employer PDP 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.
We are out-of-network with both MetLife PDP and PDP Plus. Compare each plan’s out-of-network benefits rather than assuming an in-network discount applies here. 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.
On the MetLife plans that include it, if your total dental spending stays under a set threshold in a calendar year, a portion of your unused annual maximum carries into the next year, building a larger pool for future treatment. Keeping your two covered preventive visits usually keeps you under the threshold. Not every MetLife plan has carryover, and the threshold and cap vary, so we check whether yours includes it when we verify your benefits.
Usually not. On most MetLife plans, children's orthodontic benefits sit under a separate lifetime maximum, so braces or Invisalign for a teen don't draw down the annual dental maximum you use for cleanings, fillings, and crowns. The lifetime ortho amount and any age limits vary by plan. If you're considering orthodontic treatment, we verify your specific MetLife ortho benefits first so you know what's available.
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.