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Financial Information

 

DELTA DENTAL INSURANCE CHANGE

To our valued patients,

We are writing to share an important update about our practice. After thoughtful consideration and analysis, we have decided to change our status from being an in-network to an out-of-network provider with Delta Dental, including Delta Dental’s PPO and PPO Plus Premier plans, later this year.  We will notify you of the final date once confirmed by Delta Dental.

We understand that choosing a dental provider is an important decision. This change will allow us to dedicate more time to each patient and provide the comprehensive, individualized care that aligns with our practice philosophy and clinical standards—care that we believe you deserve.  

Many of our patients already see us out-of-network and continue to choose our practice because of the quality of care and personalized attention we provide. Our team is experienced in helping patients navigate their out-of-network benefits seamlessly.

What this means for you:

  • You can absolutely continue to be our patient after we go out of network. You do NOT need to find a new dentist- we hope you will stay with us!
  • You can continue using your Delta Dental benefits with us after we go out-of-network.
  • We will continue to file claims on your behalf and help you maximize your Delta Dental insurance benefits.
  • Payment will be due at the time of service, and Delta Dental will reimburse you directly—usually within 2-3 weeks.

Our team is here to help you navigate this transition smoothly. At your next visit, we'll review your benefits with you and explain how to maximize your coverage. We remain committed to your family's long-term health and well-being, and we look forward to continuing to help you achieve the best dental outcomes possible.

We've prepared a list of FAQs below to address common questions. If you need additional information about your benefits, estimated costs, or how this change affects you personally, please don't hesitate to contact us at 508-997-6617 or office@ghentadentalgroup.com.

We are truly grateful for your trust and loyalty, and we look forward to caring for you and your family for many years to come.

Warmly,

Ghenta Dental Group

 

FREQUENTLY ASKED QUESTIONS: DELTA DENTAL INSURANCE CHANGE 

  1. What is changing with Delta Dental?

We are planning to go out-of-network with Delta Dental, including Delta Dental’s PPO and PPO Plus Premier plans, later this year.  We will let you know the actual date once we receive confirmation from Delta Dental.

  1. Why did you decide to become an out-of-network provider with Delta Dental?

This change will allow us to dedicate more time to each patient and provide the comprehensive, individualized care that aligns with our practice philosophy and clinical standards—care that we believe you deserve.Many of our patients already see us out-of-network and continue to choose our practice because of the quality of care and personalized attention we provide.

  1. Is anything changing right now?

No, your visits work the same as they do today.

  1. Can I still be a patient here after the change?

Yes. Delta Dental plans typically include out-of-network benefits, which you can still use toward treatment at our office, and our team will help you understand how to make the most of these benefits.  Many of our patients already see us out-of-network and continue to choose our practice because of the quality of care and personalized attention we provide. Our team is experienced in helping patients navigate their out-of-network benefits seamlessly.

  1. What does “out-of-network” mean and how will my office visit differ from before?

It means that you will be responsible for the full payment at the time of service.Delta Dental will likely reimburse you directly and checks will be sent to you and not to our office.As always, we will continue to provide you with our fee estimates prior to the start of any treatment.

  1. Can I “assign benefits” to the practice (have Delta Dental pay you directly)?

Once we are out-of-network, you will typically not be able to assign benefits to our practice.

  1. How long will it take Delta Dental to reimburse me?

Often it takes between 2 – 3 weeks, depending on your plan.  Delta Dental should be able to confirm timing.

  1. What if Delta denies or reduces my claim? Will you help?

We will submit required documentation; if denied by Delta Dental, we can provide records/notes, but you may need to contact Delta Dental to appeal.

  1. What if Delta asks for x-rays / clinical notes / additional documentation?

We will provide what is needed (with appropriate authorization) to support your claim.

  1. How can I find out my plan’s out-of-network benefits?

To fully understand your specific dental plan’s benefits and reimbursements, we encourage you to reach out to Delta Dental or your human resources department for details. We are here to help you in whatever capacity we can, but Delta Dental does not share out-of-network plan benefits with us.

  1. How much will it cost per visit once you are out of network?

Before any visit or treatment, we will provide a clear estimate of our fees so you know the expected cost up front. The amount you ultimately pay out-of-pocket will depend on how much Delta reimburses under your out-of-network benefits, and that amount is determined by Delta. Because Delta does not give us access to your out-of-network rates, we cannot provide you with an estimate of your reimbursement amount or out-of-pocket costs.

  1.  Will my out-of-pocket costs be higher?

They might be, depending on your plan’s out-of-network coverage, deductibles, and annual maximums.

  1. Do you offer any financing / payment options?

Yes, we offer financing to qualified patients through a third party provider.

  1. Can I use my HSA / FSA card to pay for treatment?

Yes, we accept HSA and FSA cards for eligible dental expenses

  1. Do you offer alternatives to dental insurance?

Yes, we offer Dental Membership Plans*, which offer great value and include comprehensive and regular exams, professional cleanings, routine and full mouth X-rays, annual periodontal and oral-cancer screenings, fluoride treatments, plus 10% off all other treatments.  Plans are available for adults, children, and perio, and start at $36 / month.  Our staff will be happy to review plans and answer any questions.

  1. Will my deductible/annual maximum still apply out-of-network?Usually yes, but amounts applied can differ depending on Delta’s allowed amount and plan rules.  Best way to find out is by contacting Delta Dental or your HR/Benefits team for employer-sponsored plans (see “Contacts” list below).

 

  1. Will you still file my claim to Delta?

Yes, we will continue to submit your dental insurance claims on your behalf and help you maximize your insurance benefits.

  1. What if my treatment starts while in-network, but it is completed when out-of-network?

In most cases, dental plans (including Delta Dental) determine coverage based on the date a service is completed, not when it is started. That means if your treatment is finished after the out-of-network date, Delta Dental will typically process the claim using your out-of-network benefits, even if treatment began while we were in-network.  If you have treatment planned that may span the transition, our team will review the timing and estimated costs with you in advance to determine the best option for you.

  1. Should I schedule treatment before the out-of-network date?

If you have recommended treatment, it can be helpful to plan ahead. Our team can discuss the best timing for you.

  1. Should I schedule my hygiene visits now?

Yes, booking ahead is a great way to stay on track and avoid last-minute scheduling.

  1. What if I have an emergency after the change?

We will still be here for you. Contact us as usual—we’ll help you get seen quickly.

  1. Does this affect other insurance plans?

This notice applies to Delta Dental only. If you have another plan, our team can confirm whether anything changes for you.

  1. Will my benefits reset or change because of this?

Your benefits are determined by your employer/plan. Our network status may affect reimbursement, but your plan rules are set by Delta Dental and your policy.  Your benefits can be found via your Delta Dental member plan portal, by calling Delta’s Member/Customer Care team, or by asking your company HR/Benefits team for employer-sponsored plans.

KEY CONTACTS

Delta Dental of Massachusetts: 800-872-0500

All Other Delta Dental Plans: log on to your Delta Dental member plan portal or call Delta’s Member/Customer Care number.

Employer-sponsored plans: Your company HR/Benefits team

 

* Membership plans may not be combined or used in conjunction with any other membership plan, discount health care program or third-party payor program, including government and private third-party payor programs (e.g., Medicaid, private insurance).

Disclaimer: This FAQ is provided for general informational purposes only and is not intended as legal, financial, or insurance advice. Coverage, reimbursement, eligibility, and plan terms are determined solely by your insurance carrier and may change at any time without notice. While we strive to keep the information accurate, we do not guarantee that it is complete, current, or applicable to your specific situation. We are not responsible or liable for any errors, omissions, or outcomes resulting from reliance on this information, and we are not obligated to update this FAQ as policies, benefits, or procedures change.

 

Page updated 2/9/26

 

 

 

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