Massachusetts Dental Insurance 2021

Last modified: September 15, 2021

This article provides important details about Massachusetts dental insurance to help you find the best dental and oral healthcare coverage.

We all know how important health insurance is to lower your overall hospital and medical bills. However, even the most comprehensive health insurance plans do not cover dental insurance, and you have to purchase a separate dental insurance plan.

If you are looking for the best dental insurance in MA, you must first get acquainted with the system and how dental insurance works. This article provides important details about dental insurance in Massachusetts to help you find optimal dental and oral healthcare coverage.

If you are looking for affordable dental insurance outside of Massachusetts- make sure to check out our list of best dental insurance providers in the US.

Here a few main dental insurance plans you need to be aware of in Massachusetts.

  • Dental Health Maintenance Organizations (DHMO) Plans – A DHMO is a network of highly qualified dentists that come together to offer comprehensive and affordable dental healthcare plans to individuals and families at a really low monthly premium. The dentist, in turn, receives a set monthly payment from the organization. You don’t have to worry about deductibles, waiting periods, claim forms, or year-end maximums with DHMO plans.
  • Preferred Provider Organization (PPO) Dental Insurance MA – the PPO network provides managed dental care plans by a dentist of your choice at reduced rates. The dentist must belong to the network of preferred dental healthcare service providers. In PPO, you have to pay year-end maximums and deductibles. There may also be some waiting period for certain dental work.
  • Indemnity Dental Plans – This is a traditional type of insurance where you choose from a large network of dental health care providers. , You don’t have to stick to a preferred dentist with indemnity insurance and can visit your preferred dentist. With a Massachusetts Indemnity Plan, you would pay the fees in full and file for a claim or reimbursement with your insurance company later on.

Make sure you browse through all the options when looking for the best dental insurance in Massachusetts.  A little bit of research goes a long way when it comes to saving on dental insurance. You can also opt for a Discount Dental Plan in Massachusetts. This plan isn’t insurance but works like a discount card that allows you to get certain dental services at reduced rates. It is ideal for saving on treatments that are not covered under your insurance plan.

How Does Massachusetts Dental Insurance Work?

Massachusetts dental insurance works exactly as health insurance does. You pay a monthly premium to access some healthcare benefits. The basic monthly cost usually covers a few dental procedures. With most dental plans in Massachusetts, you are entitled to receive:

  • Regular check-ups
  • Dental cleaning
  • Root canals
  • Preventive treatments
  • Restorative treatments- dentures, bridges, crowns, fillings
  • X-rays

There is no standard coverage plan, and the available services and benefits vary depending on the insurance provider, budget, and more factors. You must thoroughly review different policies to find one that provides the coverage you seek at a price point that is affordable for you. Most Massachusetts dental insurance plans follow the 100-80-50 coverage distribution. Under the distribution, the insurance company covers:

  • Preventive care costs – 100% – regular check-ups, professional dental cleanings, X-rays, etc.
  • Basic procedure costs – 80% – cavity cleaning, fluoride treatments, filling, root canals fall under basic procedures essential for the maintenance of oral and dental health.
  • Major procedure costs – 50% – tooth extractions, bridges, dentures, implants, and other restorative dentistry procedures fall under major procedures.

This is the most common insurance layout, but every insurance service provider doesn’t follow the same distribution. Massachusetts dental insurance does not cover teeth whitening and other cosmetic dentistry treatments, pre-existing dental conditions, and the cost of adult braces and orthodontia. The basic coverage offered also varies by individual and family plans.

Average Cost of Dental Insurance in Massachusetts

The average cost of dental insurance in Massachusetts is pretty close to the nationwide average. Individual plans can cost anywhere between $30 and $45 per month, and family plans can cost around $40 to $70 per month. The rates vary depending on the number of people and the amount of coverage offered, city, age, gender, pre-existing conditions and more.

How to Find Affordable Dental HealthCare in Massachusetts

Finding affordable dental insurance in Massachusetts is not particularly difficult as long as you know which factors to consider when choosing a plan. It is best to look for an insurance policy with a low deductible, high maximum benefit limit, and available discounts and benefits.

A deductible is the minimum amount of money you have to pay before your insurance covers the remaining amount. A low deductible means you pay less, and your insurance pays more. To ensure your insurance provides maximum coverage, you should opt for a policy with a high maximum benefit payout, which is the maximum cost your insurance will cover.

State availability is another key factor to consider when you buy dental insurance in Massachusetts, as not all service providers offer coverage in every U.S. state. You should also list your exact requirements. If you are looking for a dental insurance plan for families, then one designed for seniors won’t suit your requirements.

Numerous online platforms provide a comparison of price and coverage for different service providers and recommendations. Make sure you read reviews and complaints about dental insurance in Massachusetts before choosing the right insurance service provider.

Best Insurance Companies in Massachusetts

Companies Dental Plans Best For Average price
Blue Cross Dental Blue EPO,

Dental Blue PPO

Comprehensive coverage $32 per month per person
Delta Dental


Individual, family, PPO, EPO, Affordable coverage for small business owners $26 per month per person
AAA Single dental plan for individuals Affordable, comprehensive coverage Member – $25 per person , non-member – $100
MetLife PPO, DHMO, Take-Along Dental, Veterans Ideal for veterans $250 per month per person
Aetna Direct, Vital Savings Dental Discount Card Ideal for people looking for additional coverage at a low cost Discount card as low as $8 per month
Cigna Dental 1500, dental 1000, dental preventive Preventive care plans $19 per month per person


Here are detailed reviews of the best dental insurance providers. It highlights the plans they offer, which category the company is best in, the average pricing, waiting periods, and customer reviews.

Blue Cross Dental Insurance Massachusetts

Blue Cross dental is ideal for people looking for comprehensive coverage options and discounted rates. The company offers customizable dental insurance packages with the help of regional retailers. With their PPO and Exclusive Provider Organization Plans, you can access a variety of quality healthcare services at discounted rates.

The average cost of insurance with Blue Cross is quite low. However, the exact price will depend on your insurance package.

Delta Dental Insurance Massachusetts

Delta Dental offers multiple dental plans, including PPO and EPO, for those looking for discounted plans. You can also choose from their customizable full-coverage individual and family plans. The company also offers affordable dental insurance plans for businesses allowing them to provide their employees with a good dental insurance plan without breaking their banks.

Delta Dental is pretty affordable and an excellent option for individuals looking for comprehensive coverage.  The rates vary by coverage options and plan of your choice.

AAA Dental Insurance Massachusetts

AAA offers one extremely comprehensive dental insurance package for all those who want full coverage. AAA’s dental insurance plans are ideal for members of the association and those planning to become one as members get a 75% discount on their dental insurance package. You can also get bundle or multiple policy discounts to further lower the price.

Make sure you read through the terms and conditions to fully understand the details of the insurance package. As a member, you enjoy more perks and benefits and get wider coverage, a higher maximum benefit limit, and a lower deductible.

MetLife Dental Insurance Massachusetts

MetLife offers numerous diversified plans to cater to a different target audience. Whether you’re looking for affordable plans, comprehensive plans, or plans specifically targeted for veterans, MetLife Dental has it all.  With the coverage, you get access to 24/7 emergency dental care, a wide network of dentists to choose from, high-quality care with lower out of pocket costs, and more.

It is ideal for veterans looking for affordable and comprehensive coverage options. It is also ideal for seniors who want something affordable. You can also customize your plan to suit your requirements.

Aetna Dental Insurance Massachusetts

Aetna Dental offers multiple dental plans at discounted rates. The company offers  discount cards that ensure clients can get  extra coverage options not covered in the company’s basic plans. It is a little pricier than other dental plans, so you may want to look at the discounts before choosing a plan.

Cigna Dental Insurance MA

Cigna dental operates in multiple locations across the United States. The company provides a variety of plans with different coverage amounts catering to people with all budget ranges. You can get the basic preventive care package in which you pay absolutely nothing for preventive treatments, but nothing else is covered.

If you are looking for something a little more extensive, you can go  for the Cigna 1000 that covers restorative treatments. Cigna 1500 is also a good option in which  the company covers preventive, restorative and orthodontic treatments (up to $1000).

Pros & Cons

The Pros

The Cons

Final Verdict


What Kinds of Dental Insurance Are Available in Massachusetts?

There are numerous kinds of dental insurance plans available in Massachusetts. The available plan type and coverage varies by provider. You can, however, get some affordable dental healthcare plans through PPO and DHMO.

How much is Dental Insurance that Covers Implants?

Finding a dental insurance service that covers implants may be difficult. You may have to opt for an indemnity plan with a yearly premium of around $780 to $900 per year for implants. Indemnity plans are ideal for those who want additional coverage not already provided in the dental insurance plan.

What is the Best Dental Insurance with No Waiting Period?

DHMO plans offer the best dental insurance with no waiting periods. You can choose a dentist from a network of highly qualified dentists, who  provide basic dental healthcare services at a reduced price. You also don’t have to worry about deductibles, waiting periods, maximum benefit limit, etc.