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HD 613

An Act relative to requiring dental insurance to cover CBCT scans

194th Legislature (2025-2026) Introduced by Rodney Elliott

Massachusetts bill mandates dental insurance cover CBCT 3D imaging scans, increasing insurer costs and potentially premiums while improving diagnostic capabilities.

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WeVote Research Nonpartisan
Bill Summary · HD 613

Legislative bill overview

HD 613 mandates that dental insurance plans in Massachusetts cover Cone Beam Computed Tomography (CBCT) scans—advanced 3D imaging technology used in dental diagnostics. The bill would require insurers to include these scans as a covered benefit rather than classifying them as optional or experimental procedures.

Why is this important

CBCT scans provide detailed 3D imaging that can improve diagnostic accuracy for complex dental cases, orthodontics, and implant planning, potentially leading to better treatment outcomes. However, this mandate directly increases insurance costs, which may be passed to consumers through higher premiums or reduced coverage elsewhere, while raising questions about when such advanced imaging is medically necessary versus elective.

Potential points of contention

  • Cost burden: Mandating coverage increases insurer expenses, potentially raising premiums for all policyholders, including those who may never need CBCT imaging
  • Medical necessity standards: Disagreement exists over when CBCT scans are truly clinically necessary versus when traditional 2D X-rays suffice, and whether insurers or dentists should determine appropriateness
  • Coverage limits: The bill doesn't specify frequency limits, diagnostic criteria, or whether cosmetic/orthodontic uses would be covered, creating potential for overutilization

Compiled from official sources — confirm details with the bill’s official record.

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