As you may have known, there are a lot of medical research that confirm the connection between dental health and other health problems. Some of this dental health related conditions are coronary heart disease and diabetes. Therefore, taking care of your oral health is very important. The Blue Cross dental insurance, which is sometimes called Dental Blue is a part of the Blue Cross Blue Shield insurance services. It is one of the dependable and affordable dental insurance available in United States, offering a huge network of dentist office.
There are advantages you can get in applying for the blue cross dental insurance, which include:
- Saving money in participating dental specialist
- The ability to choose any licensed dentist from a gigantic blue cross blue shield network
- Free services, including diagnostic, preventive and checkups services (twice per benefit period)
- An affordable monthly premium
- No waiting period for preventive dental care, meaning that you can use the benefit as soon as you become the member of the blue cross dental insurance
- The insurance covers both basic and major services (with terms and conditions applied), which include routine fillings, extraction, crowns, dentures and bridges.
blue cross blue shield dental insurance reviews
Blue Cross Dental Insurance Covered Services :
Preventive Dental Services are the kind of services that are 100% covered by the company, and there is no deductible and waiting period. This include routine dental checkups, dental cleanings, pulp testing, emergency oral examinations, bitewing x-rays, annual fluoride cleaning (up to 18 years of age), sealants (for 6-15 years of age), space maintainers (up to 16 years of age), and palliative emergency treatment.
The Basic dental services are available after 6 months of waiting period, and the insurance company will cover 60% of the total cost, meaning that you only have to pay 40%. The services covered are endodontic, simple extraction, stainless steel crowns, routine fillings and oral surgery. Major dental services include gingivectomy, periodontal maintenance, porcelain crowns, dentures, gingival curettage, and bridges. The blue cross dental insurance cover 50% of the cost.
The blue cross blue shield insurance cover many of United States area, but there are some slight differences in services for each state. That said, the difference should not be that big. Overall, the services class covered by the blue cross dental insurance is the same in every state. The difference lies in the covered cost. In some states, the bluecross blueshield insurance covers 80% of the cost for preventive dental services.
There are various different reviews about each individual blue cross dental insurance. Some earn a reputable and respected review, while others aren’t that good. However, make no mistake, most of these state-specific blue cross blue shield insurances got a bad mark because they only list a small number of supported states. If you are seldom to travel between states, these might be a good choice. One of them that got a great review is from the Anthem bluecross blueshield. Although there are limited option when it comes to the family plan, the individual dental insurance plan is one of the best we’ve seen.
Image: mb.bluecross.ca