We offer four Dental PPO plans through Anthem Blue Cross; the Premier dental plan, Standard dental plan, Value dental plan, and the Voluntary dental plan.
Your Dental Plan Options Include:
- Free annual in-network preventive care
- Access to Anthem’s large dental network
- Dental benefits from $1,000 up to $2,500 per person each year, depending on the plan you enroll in, after meeting your annual deductible
- Orthodontic benefits options available
Anthem Blue Cross dental plans are available on a “stand-alone: basis for all size groups and are a valuable addition to your firms benefits package. The plans cover services when they are provided by a licensed dentist and when necessary and customary, as determined by the standards of generally accepted dental practices. For most of the dental PPO plans, you will be required to meet a deductible for basic and major services before the plan will begin paying a percentage of your costs. All plans cover preventive services at 100%.
If you have current group dental insurance when joining the NBBE program, you may select any plan. If you do not have current group dental insurance when joining the NBBE program, then you must select the Value plan with a 12 month wait for major services for your first year. After your group plan has been in place for 12 months, you may request the 12 month waiting period for major services be removed and during the next open enrollment period you may select any available plan.
The Voluntary Plan (100% paid for by the employee with no employer contribution) must have a minimum of 5 participants in order to be offered.
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Dental Key Terms
Basic Services: Basic services generally include coverage for fillings and oral surgery.
Diagnostic and Preventive Services: Diagnostic and preventive services generally include services such as routine cleanings, oral exams, x-rays, sealants and fluoride treatments. Most plans limit the frequency of preventive exams and cleanings to two times a year.
Endodontics: Commonly known as root canal therapy.
Major Services: Generally include coverage for restorative dental work such as crowns, bridges, dentures, inlays and onlays.
Periodontics: The diagnosis and treatment of gum disease.
Pre-Treatment Estimate: An estimate that the insurance company provides detailing how much they will pay for treatment. A pre-treatment estimate is not a guarantee of payment.