BCBS PPO Dental Coverage: A Comprehensive Guide to Costs and Coverage

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Blue Cross Blue Shield (BCBS) PPO dental coverage is a popular option for individuals and families seeking affordable and comprehensive dental care. BCBS PPO plans offer a network of participating dentists who have agreed to provide discounted services to plan members.

The cost of BCBS PPO dental coverage varies depending on the state and plan you choose, but on average, the premium for an individual plan is around $50 per month. This cost can be adjusted based on your age, income, and other factors.

To give you a better idea of what to expect, let's take a look at the typical coverage and costs associated with BCBS PPO dental plans.

Plan Options

Blue Shield offers a range of dental plan options to fit different needs and budgets.

Groups with 101 or more eligible employees can choose from various Blue Shield dental plans, including those with or without medical coverage.

You can select from four different calendar-year maximums: $1,000, $1,500, $2,000, or $2,500, which applies only to dental PPO plans.

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Dental PPO plans are available with or without orthodontic coverage, giving you flexibility in your benefits.

The BluePreferred Dental Benefits plans offer 100% in-network coverage for diagnostic and preventive services, which means no out-of-pocket expenses for common services like exams and cleanings when using network dentists.

There are three different plan designs available for BluePreferred Individual Dental PPO plans.

Here's a comparison of the three BluePreferred Dental Plan options:

Network and Coverage

You don't need approval from your Primary Care Physician (PCP) for dental care, but some services do require prior approval before getting treatment.

Some dental care services require prior approval, and without it, you may have to pay out of pocket.

Dental In-Network Only (DINO) plans have in-network benefits, but no out-of-network benefits, and they utilize the full DPPO network.

A new Triple Choice Dental Option has been added, offering a combination of 1 DPPO plan, 1 DHMO plan, and 1 DINO plan for employers to choose from.

To learn more about dental benefits, you should check your Member Handbook for specific details.

Dental Benefits

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Implants are covered as a standard benefit on all dental HMO, INO, and PPO plans, with member responsibility varying based on the plan design.

Oral cancer screening is covered at 100% on all dental HMO, INO, and PPO plans, which can greatly improve the success of treatment if detected early.

Blue Preferred Dental Plans offer 100% in-network coverage for common preventive services like exams and cleanings, with no out-of-pocket expenses when network dentists are used.

Here are the details of the Blue Preferred Dental Plans:

Preventive DentalPlus PPO has no annual maximum, and preventive services like exams and cleanings are covered at 100% with no deductible.

DentalPlus PPO has an annual maximum of $1,500, and preventive services like exams and cleanings are covered at 100%.

Cost and Deductible

Our BCBS PPO dental coverage has a low deductible, so your coverage will kick in right away.

You'll get the most from your insurance coverage and save money by choosing an in-network dentist.

With one of the largest dental PPO networks in the country, Anthem has a vast selection of in-network dentists to choose from.

Anthem's large network also means you can see any doctor, but you'll save the most by staying within the network.

Services and Coverage

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With BCBS PPO dental coverage, you have a wide range of services to choose from. The dental PPO network includes over 47,000 provider access points in California and 390,000+ access points nationally.

You don't need approval from your PCP for dental care, but some services do require prior approval before getting treatment. Check your Member Handbook to learn more about dental benefits.

Some services are covered as a standard benefit, including implants on all dental HMO, INO, and PPO plans. Member responsibility varies based on the plan design.

Here are some specific services covered for members over the age of 21:

  • Two teeth cleanings per 12 months (2 total per year)
  • Two oral exams per 12 months (2 total per year)
  • One set of preventive x-rays per 12 months
  • Emergency dental services
  • Fillings
  • Crowns
  • Limited root canals
  • Limited dentures
  • Limited oral surgery
  • Extractions

PPO

PPO plans offer a wide range of benefits, including 100% coverage for diagnostic and preventive services from participating network dentists.

With over 390,000 access points across the country, you'll have plenty of options to choose from. In California, the dental PPO network includes over 47,000 provider access points.

You can use your benefits right away for diagnostic and preventive care services with no waiting period.

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Here's a breakdown of the different PPO plans and their coverage:

In-network utilization is more than 70% with the dental PPO plans, making it a convenient option for those who want to save money on dental care.

Implants as Standard Benefit

Implants are covered as a standard benefit on all dental HMO, INO, and PPO plans.

Member responsibility varies based on the plan design, so be sure to check the Evidence of Coverage and the copy schedule for each plan.

You can find more information about implants as a standard benefit by visiting our website for details.

Implants are a major service, and this coverage applies to all three types of plans mentioned earlier.

See what others are reading: Does Bcbs Ppo Cover Dental Implants

Teledentistry Services

Blue Shield of California eligible plans offer virtual visits with licensed dentists through Teledentistry services. This allows you to get dental advice and guidance for diagnostic and preventative benefits from the comfort of your own home.

You can see your own dental provider if they offer Teledentistry capabilities, or you can use any dentist with Teledentistry capabilities. In-network providers are recommended for any dental service.

A virtual visit typically involves a series of diagnostic questions from the dentist, who may also request photos or videos to view your mouth. This helps them make a diagnosis and suggest treatment options or recommend a follow-up visit if needed.

Services Covered

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You can get dental care without needing approval from your primary care physician. Some dental care services require prior approval before getting treatment, or you may have to pay out of pocket.

The Blue Preferred Dental Benefits plan offers 100% in-network coverage for diagnostic and preventive services, including two yearly exams and cleanings, and some x-rays. This is a great benefit for those who want to stay on top of their oral health.

You can use your benefits right away for diagnostic and preventive care services, thanks to the no waiting period policy.

Here are some services that are covered under the plan:

  • Two teeth cleanings per 12 months
  • Two oral exams per 12 months
  • One set of preventive x-rays per 12 months
  • Emergency dental services
  • Fillings
  • Crowns
  • Limited root canals
  • Limited dentures
  • Limited oral surgery
  • Extractions

Note that some services are not covered, such as cosmetic dentistry, tooth bleaching and whitening, and implants.

Company Information

Blue Cross Blue Shield (BCBS) is a well-established health insurance provider with a long history of offering quality coverage to its members.

BCBS offers a range of health insurance plans, including PPO (Preferred Provider Organization) plans, which provide flexibility in choosing healthcare providers.

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BCBS PPO dental coverage is available in many states across the US, with varying levels of coverage and out-of-pocket costs.

BCBS PPO dental plans often include a network of participating dentists and specialists, making it easier to find in-network care.

BCBS PPO dental coverage typically requires a small co-payment or co-insurance for dental services, depending on the specific plan.

BCBS PPO dental plans may also offer additional benefits, such as orthodontic coverage or dental implants, depending on the plan details.

Frequently Asked Questions

What is the most dental insurance will cover?

Most dental insurance plans cover 100% of preventive care, such as cleanings and exams, and a significant portion of basic care services like fillings and extractions.

Wilbur Huels

Senior Writer

Here is a 100-word author bio for Wilbur Huels: Wilbur Huels is a seasoned writer with a keen interest in finance and investing. With a strong background in research and analysis, he brings a unique perspective to his writing, making complex topics accessible to a wide range of readers. His articles have been featured in various publications, covering topics such as investment funds and their role in shaping the global financial landscape.

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