Blue Shield Dental Insurance

Blue Shield dental plans offer some of the industry’s lowest deductibles for individuals and families. With both dental HMOs and PPOs to choose from, consumers can select the plan that best serves their dental needs. The Blue Shield HMO plan offers significant benefits for members who stay in-network for their dental care, while the various PPO offerings allow out-of-network care at a reduced rate of coverage. By participating in one of these Blue Shield dental plans, consumers can significantly reduce their dental care costs while receiving the best care available.

The dental HMO offers the most comprehensive coverage of the Blue Shield dental plans, requiring no deductibles and no annual maximum benefit limit. Many dental services require no waiting period for coverage, and most diagnostic exams and preventive services are 100% covered, including initial x-rays, routine cleanings, and most sealants and fluoride treatments. In most cases, claims are filed by the dental office; members need not worry over paperwork. The dental HMO requires lower premiums than the PPO options, making it a cost-effective choice for patients who agree to receive their care through the provider network. Members select a primary care dentist from the extensive list of participating providers and receive most of their services from their chosen dentist; specialty care is available with a referral. The dental HMO, like certain other Blue Shield dental plans, often requires membership in a Blue Shield medical coverage plan.

Blue Shield dental plans offer increased flexibility through the dental PPO plan, allowing patients to visit out-of-network providers but providing the highest level of benefit for in-network services. In-network diagnostic and preventive services are provided with no deductible and no copayment, while other services are significantly reduced in price. After twelve months in the PPO Blue Shield dental plans also offer coverage for orthodontic care for both adults and children, making these plans an exceptional value for families with children. Enhanced services are available for pregnant women to ensure their dental health during this physically taxing time. Additionally, by combining medical and dental services into one convenient plan, members can easily cover all their health care needs through Blue Shield’s wide range of services.

Last Modified: 06 December 2009