Dental Insurance

Dental insurance makes dental care affordable for millions of Americans. Most of our patients receive their dental insurance through their employer. The employer has negotiated the plan benefits with the insurer and normally pays part of the cost. Since the coverage amount for a service can vary employer to employer, it is possible for individuals with the same provider to pay different amounts for the same treatment. In the end, it is the responsibility of the patient to pay any portion of the total fee that is not paid by their insurance.

How Do I Find a Dentist Near Me Who Accepts My Insurance?

To keep your out-of-pocket costs to a minimum, it is essential to find a dentist that takes insurance. At Baystate Dental of Wilbraham, we partner with a number of popular dental insurance providers. We are happy to help you answer the question, “Which dentist takes my insurance?” and to file any claims on your behalf. If you need to find a dentist in Wilbraham by insurance type, call us at (413) 241-6871 and we will walk you through the process.

How Do I Find Out How to Use My Dental Insurance with a Dentist in Wilbraham?

Whether you are looking for a dentist that accepts PPO insurance or a dentist that accepts HMO insurance, it is important to understand the basics of what your plan covers. While our staff can help you find a dentist in Wilbraham by insurance, specific benefit questions should be directed to your insurance provider. Before scheduling an appointment, you should contact your provider to ask the following questions:

• What is my deductible?
• Do I have a co-pay?
• Are braces, Invisalign®, and other orthodontic treatments covered?
• Do services have to be authorized in advance?
• Is there a cap on annual benefits?
• Are dental implants covered?
• Is there a waiting period before certain procedures are covered?
• Are cosmetic treatments, such as overlays and veneers, covered?
• How many visits am I allowed per year?
• What coverage options do I have for replacing missing teeth?
• Are specialized services, such as endodontics and oral surgery, covered?
• Is there a dentist near me who accepts my insurance?

It is also important to understand the distinctions between PPO and HMO insurance plans. PPO plans normally provide greater flexibility in choosing a dentist. However, you may be required to pay a copay for each visit. HMO plans require you to select from a list of providers, but they typically have lower premiums.

At Baystate Dental of Wilbraham, we will work with you to help you get the most out of your dental insurance benefits and to keep any out-of-pocket costs to a minimum. We also offer flexible financing options to help you manage any unexpected costs.

Take a Step Towards Better Oral Health

We are dedicated to helping patients enjoy the best oral health possible by offering affordable services and accepting a wide range of popular insurance plans. Contact us today for more information or to schedule an appointment.

Insurances We Accept

• Aetna
• Ameritas
• Anthem (BCBS)
• Assurant
• Blue Cross & Blue Shield
• Cigna
• Delta Dental Premier®
• Delta PPO
• Dentaquest
• Dentemax
• Guardian
• Humana
• Lincoln Financial
• Metlife
• Principal
• Reliance Standard Life
• TDC
• TriCare (Military)
• UCCI
• UMR
• United Concordia
• United Healthcare