Understanding Bcbs of Michigan Dental Insurance Plans

Blue Cross Blue Shield of Michigan (BCBSM) offers a variety of dental insurance plans to fit different needs and budgets.

Their dental plans are designed to help you save money on dental care, with options like preventive care coverage and discounts on certain procedures.

BCBSM has a network of participating dentists, which means you can choose from a wide range of providers to find one that's right for you.

You can also take advantage of their online tools and resources to help you manage your dental care and stay on top of your plan.

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When choosing a dentist through BCBS of Michigan, you have two main options: Blue PPO and Blue Par Select dentists.

Blue PPO dentists are a great choice if you want hassle-free claims filing and significant discounts on your dental bills. You can expect to save 20 to 40 percent off usual charges and have lower out-of-pocket costs compared to non-network dentists.

Blue Par Select dentists, on the other hand, are non-PPO dentists who agree to participate with the Blues on a per claim basis. This means you should always ask your dentist if they participate before each procedure.

Working with a Blue PPO dentist can be a great way to save money on dental care. They always participate in your insurance plan and will even file your claims for you.

Blue PPO dentists offer discounts of 20 to 40 percent off usual charges, which can add up to significant savings.

Blue Par Select dentists are non-PPO dentists who agree to participate with the Blues on a per claim basis.

If you're seeing a Blue Par Select dentist, it's a good idea to ask whether they participate before each procedure.

Almost all dentists participate with the Blues under this arrangement, so you'll likely find one in your area.

You can visit non-participating dentists, but be aware that you may be charged for the difference between the Blues approved amount for the service and the dentist's charge.

You'll also have to file your own claims, which means you'll be reimbursed directly from the Blues and be responsible for paying the dentist.

This means you'll need to handle the paperwork and payment process on your own, which can be a bit more complicated than visiting a participating dentist.

If you're considering enrolling in BCBS of Michigan's dental plan, here are some key details to keep in mind.

The plan offers a range of options for dental coverage, including preventive care, restorative care, and major services.

You can choose from a variety of deductibles, ranging from $50 to $150, depending on your individual needs.

The plan's preventive care coverage includes two cleanings per year, as well as X-rays and exams.

You can also customize your plan to fit your budget by selecting from various copayment levels, from $20 to $50.

The plan's out-of-pocket maximum is $2,000, which means you won't have to pay more than that for covered services in a calendar year.

BCBS of Michigan's dental plan also offers a range of discounts on certain services, including orthodontia and oral surgery.

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Your annual deductible is $50, which means you'll need to pay this amount towards covered dental services each year before benefits kick in.

Once you've met your deductible, you'll pay a coinsurance of 25% or 50% for covered services, depending on the type of service.

Preventive services like cleanings, x-rays, and exams are covered 75% after you've met your deductible, while restorative and constructive services are covered 50%.

Restorative services include fillings, crowns, root canals, and extractions, while constructive services include bridges, dentures, and endosteal implants.

You can extend your benefit by using Blue PPO dentists, who accept a discounted rate for their services.

Here's a breakdown of your coverage:

Your annual benefit maximum is $1,200 per person, so be sure to keep track of your expenses to avoid going over this limit.

Remember, you can contact your health-certified Farm Bureau Insurance Agent for solutions to your health care needs.

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To determine your personal dental insurance rate, you'll need to select the number of people to be covered and your county of residence from the pull-down menus.

Your rate quote will automatically appear in the box labeled monthly rate. This is a convenient way to get an estimate of your dental insurance costs.

You can add dental coverage to your existing Medicare Advantage plan when you enroll online, or within 30 days of your effective date.

This extra coverage will start on the first of the month after you've applied, so be sure to plan accordingly.

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BCBS of Michigan Dental is a subsidiary of Blue Cross Blue Shield of Michigan, one of the largest health insurance companies in the state.

BCBS of Michigan has been serving the community for over 80 years, providing health insurance coverage to millions of people.

The company has a strong network of over 90,000 healthcare providers, including dentists, doctors, and hospitals.

BCBS of Michigan Dental offers a range of dental insurance plans to suit different needs and budgets, from basic coverage to more comprehensive plans.

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Their dental plans cover a wide range of services, including routine cleanings, fillings, crowns, and root canals.

BCBS of Michigan Dental also offers additional benefits, such as discounts on dental services and access to a network of dentists who accept their plans.

The company has a reputation for providing high-quality customer service, with a team of dedicated representatives available to answer questions and address concerns.

BCBS of Michigan Dental is committed to making dental care more accessible and affordable for all, regardless of income level or social status.