Dental Insurance Cambridge
We’re Pleased to Be Dental Insurance Friendly
Unlike automobile or medical insurance, dental insurance coverage was designed to help you protect your smile before painful and costly oral health problems ever have a chance to wreak havoc. At Harbor Dental Center, we understand how important it is for you to safeguard you and your family’s oral health, which is why we’re so proud to be dental insurance friendly. Although we aren’t in-network with any specific plans, we are fully committed to accepting your coverage, maximizing your benefits, and filing your claims so you can get the best rates possible no matter which dental insurance provider you choose!
How Dental Insurance Works
Although there are slight variations from provider to provider, in most cases your dental insurance in Cambridge will follow what is known as the 100%/80%/50% rule:
- 100% of the cost of preventive exams and cleanings are covered.
- 80% of the cost of minor procedures is covered.
- 50% of the cost of major procedures is covered.
Typically, dental insurance will not cover elective treatments such as cosmetic dentistry unless they also have oral health benefits; however, this will depend on your individual plan.
Your plan may also include orthodontic coverage; however, this is not always the case, so be sure to check your benefits, or let us know and we’ll be happy to help you with this process. Please note that if you are seeking this type of protection, you can often add it to your plan during open enrollment.
With PPO dental insurance plans, you may be responsible for a deductible, annual maximum, and even a waiting period before your policy becomes completely active. The benefit to PPO plans is the flexibility they provide by allowing you to use your coverage with any dentist whether in or out of network.
For HMO dental insurance in Cambridge, you are required to choose from a prescreened selection of primary care dentists. While HMO plans have very few (if any) terms, you can only receive coverage if you select and receive treatment from your primary care dentist.
What’s the Difference Between Dental & Medical Insurance?
Often, patients wonder what’s the big difference between dental and medical insurance. After all, while they may seem similar, they have two very different philosophies. With medical insurance, coverage is paid for treating unexpected issues, while dental insurance focuses on preventing issues before they begin. This doesn’t just help protect your teeth and gums- it was designed to safeguard your bank account, too!
To make the most of your money while keeping your teeth and gums healthy and strong, be sure to visit your dentist every six months for your preventive checkups and cleanings. This will help you avoid more costly restorations and emergency dental visits later!
What Does “Dental Insurance Friendly” Mean?
At Harbor Dental Center, we are pleased to be dental insurance friendly. This means that while we’re not in-network with any specific dental insurance providers, we are happy to welcome all dental insurance plans and will even maximize your benefits and file all your paperwork on your behalf. This way, you can still make the most of your money with your dental insurance in Cambridge, all the while safeguarding your smile against dangerous oral health problems you may not be able to detect on your own!
For assistance confirming coverage or to schedule an appointment with Harbor Dental Center, contact us today to get started!