The Health Connector offers health and dental coverage from the state’s leading insurers and provides tools for Massachusetts residents and small businesses with up to 50 employees to find cost savings and plans.
Thank you for your interest in purchasing dental insurance for your small business through the Massachusetts Health Connector.
Small businesses employing between 1 and 50 employees are eligible to purchase dental insurance through the Health Connector. You can purchase dental insurance whether or not you are also purchasing medical coverage. There is no required participation rate or employer contribution for dental plans, but having lower participation and contribution rates may make your premiums higher.
The Health Connector offers dental plans to suit most needs and budgets. The information below will help you choose the best plan for your employees. Detailed information about specific plans and their covered benefits and associated cost-sharing amounts, such as deductibles, co-pays, out of pocket maximums, and annual benefit maximums is available by clicking on the boxes below.
Here are some important features that are common to all Health Connector dental plans:
For children under 19 years of age on any plan:
The out-of-pocket maximum is $350 for one; $700 for two or more
There is never an annual benefit maximum
Medically necessary orthodontia is covered (and some offer cosmetic coverage)
For adults 19 years of age or older, on any plan:
There is no out-of-pocket maximum
There is an annual benefit maximum (which may vary)
Orthodontia of any kind is not a covered benefit
While shopping, pay close attention to these features, which are different from plan to plan:
Co-insurance amounts (percentage of cost that the plan pays) differ for:
Preventive and diagnostic services, such as cleanings, x-rays, treatments and sealants
Basic restorative services, such as fillings and extractions
Major restorative services, such as crowns, bridges, dentures
Orthodontia, both medically-necessary and (when covered) cosmetic
Deductibles and annual benefit maximums (for adults only)
Some plans have smaller provider networks as indicated in the Summaries of Benefits and Coverage (SBCs) – you may search for specific providers by clicking on the provider search links below. In addition, some plans do not pay for covered services if you see a dentist who is not in the plan’s network. These plans are labeled as having no out-of-network coverage in the SBCs below.
Call 1-888-813-9220 (TTY: 711), toll-free, Monday - Friday between 8:00 a.m. and 6:00 p.m.
Is my business eligible to shop for plans?
Please note that the eligibility rules around shopping as a small business through the Massachusetts Health Connector have changed in 2014.
Small businesses employing between 1 and 50 employees are eligible to purchase dental insurance through the Health Connector.
If you are the owner of a business that has no benefit-eligible employees, other than your tax dependents, you will need to re-apply and shop as an individual instead of as a small business. This applies to any classification of small business such as sole proprietor, partnership, joint-stock company, LLC, corporation, and others. This also applies to self-employed applicants.