We Welcome All Dental Insurance

In-network, out of network, deductibles, co-pays – navigating the overcomplicated world of dental insurance can be headache-inducing at times. Thankfully, Dr. Arakelian’s Haverhill dental team can lend a helping hand! Our financial coordinators are true experts at untangling this web and helping our patients make the most out of their well-deserved benefits. Better yet, we’re proud to be in-network providers for a wide variety of PPO insurances. If you’d like to learn more about the various in’s and out’s of dental insurance, keep reading below – and don’t hesitate to contact us if you have further questions or concerns.

Understanding How Dental Insurance Works

Unlike traditional medical insurance (which focuses primarily on covering the cost of true emergency situations, like severe illnesses and injuries), dental insurance emphasizes the lifelong value of prevention first. By fully covering the cost of twice-yearly dental checkups and cleanings (in most cases), the goal is to help patients maintain their smile’s health and hopefully avoid more extensive and costly dental problems later down the road.

What Your Dental Insurance Plan Covers

Every dental insurance plan is different, and it’s important to confirm available benefits before committing to any treatment plan here in Haverhill, MA. That said, most patients can expect coverage that falls along these lines:

Preventive care (including dental checkups, cleanings, diagnostic X-rays, and fluoride treatment for patients under the age of 18) is covered at 100%.
Simple restorative care (including dental fillings and root canal therapy) has the bulk of its cost covered at around 70-80%.
More extensive restorative care (including dental crowns, bridges, and dentures) has at least half of its cost covered at around 50-60%.
Orthodontic treatment may also be partially covered for children and adults depending on the specific insurance plans. Purely cosmetic treatments typically do not receive any financial benefit through dental insurance.

Sometimes, the cost of orthodontic treatment may also be partially covered for children by certain insurance plans if it’s deemed medically necessary. Purely cosmetic treatments do not receive any financial benefit through dental insurance.

We Offer In-Network Savings & Welcome Out-of-Network Providers

Dr. Arakelian is a provider for the following PPO dental insurances:

Aetna PPO
Ameritas
Assurant
All Alliance Network
Blue Cross Blue Shield
Cigna PPO
Delta Dental
Principle
Sunlife Financial
United Concordia
Humana

You may be wondering: what exactly does being in-network mean? It’s actually pretty simple. In-network providers like our practice have agreed to accept negotiated rates for a wide variety of popular dental services from that particular insurance company. As long as we are in-network, we must adhere to these rates, which are typically lower than what you could expect to pay at an out of network practice.

Maybe your dental insurance company isn’t one of the plans we’re in-network with, though. Does this mean you can’t become a patient of Dr. Arakelian’s? Not at all! We’re happy to accept ALL insurances and help new arrivals file claims for covered services so that they can be properly reimbursed. Our prices are so reasonable that they’re often very comparable with what you would pay with an in-network dentist.