Blue Cross Dental Insurance and Braces Coverage Explained

Blue Cross dental insurance can be a bit confusing, especially when it comes to covering braces. Some Blue Cross plans may cover orthodontic treatment, but the specifics vary depending on the plan.

If you have a Blue Cross plan that includes orthodontic coverage, you may be able to get reimbursement for a portion of the cost of braces. According to Blue Cross, orthodontic coverage typically starts at age 13, but this can vary depending on the plan and your child's needs.

The amount of coverage for braces can also vary depending on the plan. Some plans may cover a percentage of the total cost, while others may have a maximum benefit amount.

Blue Cross Blue Shield (BCBS) dental insurance can be a bit confusing, but let's break it down. BCBS is a network of 36 independent Blue Cross and Blue Shield companies that offer dental insurance plans.

BCBS dental insurance plans typically cover routine cleanings, fillings, and other preventive care services. These services are usually covered 100% after a waiting period.

There are different types of BCBS dental insurance plans, including PPO (Preferred Provider Organization) and HMO (Health Maintenance Organization) plans. PPO plans give you more flexibility to see any dentist you want, while HMO plans require you to see a specific network of dentists.

BCBS dental insurance plans often have a maximum annual benefit, which is the maximum amount the insurance company will pay for dental care in a year. This can range from $1,000 to $2,000 or more, depending on the plan.

Some BCBS dental insurance plans may also cover orthodontic services, such as braces, but this can vary depending on the plan and your location.

Comprehensive Plus, a dental insurance plan, includes optional benefits that go beyond the standard coverage. You can add orthodontic services to your plan if you have 25 or more full-time employees.

Preventive care is covered, including fluoride treatment for members under 19 and oral prophylaxis, or cleaning, once every 6 months.

Diagnostic services are also included, such as oral examinations and dental X-rays, with limitations on frequency.

Endodontics, or root canal treatment and related services, are covered.

Orthodontic services are provided for correction of malocclusion, but only if prescribed by a treatment plan approved by Blue Cross & Blue Shield of Mississippi.

Here's a breakdown of the orthodontic services covered:

Note that additional dollar limitations apply to these services.