Sandra Tranfaglia DMD
Dr. Tranfaglia is a Somerville Dentist
Call Us Now : 617-628-2006
As the vast world of insurance companies are evolving, we are constantly adding to our list as a participating provider. We are currently a participating provider with the following companies:
*Blue Cross Blue Shield
We also accept most other insurance companies as a non-participating provider.
The difference between participating and non-participating dentist is; you have a smaller co-pay with a participating dentist
We do not accept Mass Health or Network Health
The Basics on How Dental Insurance Works
A deductible is a specified amount which must be paid by the patient before the insurance starts to pay. For example, if you have a $50.00 deductible you need to pay that on the first visit for any procedure that requires a deductible, this usually has to be met once each year. Most cleanings and check ups are covered 100% with no deductible and no co-pay, for two visits a year. Most deductibles start on any procedure beyond that.
PATIENT PORTION / C0-Pay
The second thing to consider is your portion to pay on procedures that are not covered 100 %. After the deductible is met, your insurance may cover only a portion of the procedure, and then the patient is responsible to pay the remaining portion of the bill. The patient portion we are calling the co-pay. For example, many plans cover 80% of a filling after your deductible is paid, the remaining 20% is your co-pay/patient portion.
Most dental insurance plans have a maximum amount of money they will pay each year toward your dental needs. The typical range on maximums range from $750.00 to $2,000. When a plan has paid the maximum payment amount for that year, you are responsible for 100% of any new dental charges. Most insurance maximums start again every January 1st of each year. Some start again on july 1st.
Some insurance plans have a waiting period for certain procedures, they can vary anywhere from 3 months to 2 years.
You need to understand your own insurance because policies vary from company to company and employee to employee.