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Is Blue Cross Blue Shield Dental Insurance Right for you?

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French author André Maurois once brought attention to a seemingly insignificant gesture through a memorable statement: “Smile, for everyone lacks self-confidence and more than any other one thing a smile reassures them.” We all know that offering a warm smile to greet our peers is a desirable facial feature, but are we really aware of how important the key aspect that sparks our smiles is? Too often we tend to take our most appealing physical quality for granted – our teeth. Sure, we long for bright pearly whites, but what steps are we taking to make this dream a permanent reality? We live in a consumer society that houses unhealthy food at every corner, and where individuals don’t take care of themselves hardly as much as they should. Even more so, dental and vision insurance tends to be on the expensive side for many families, and many individuals decide on not investing in a plan due to their tight budget. Nevertheless, getting a plan from a provider like Blue Cross Blue Shield Dental could end up saving you more money than you can imagine. In this post, we will take the time to explain exactly why we’re charmed with this service in particular.

An article published in Forbes shows that you can hardly get any dental work done under at least a hundred dollars if you don’t have a plan like the ones Blue Cross Blue Shield Dental Insurance offers. The source estimates that a service as small as basic cleaning can exceed $100, while a root canal can cost between $300 and $1000. If you require a crown, you might need to be prepared to pull as much as $1,500 out of your wallet. With investments like these at hand, the thought of a dental and vision insurance plan becomes more and more appealing. However, are Blue Cross Dental Insurance or Blue Cross Blue Shield Federal Dental the right providers for your dental care coverage? What benefits do you have of investing in Blue Cross Dental services? What do customers of this provider have to say about their experiences? We will answer these questions and more in our overview of a typical Blue Cross dental plan below, which we invite you to consult before buying a service from this company.

Examples of Blue Cross Blue Shield Dental Plans

Blue Cross Blue Shield Dental

Source: Danang Dentist

Blue Cross and Blue Shield, formally known as The Blue Cross Blue Shield Association and frequently abbreviated as BCBS, is one of the largest federations of health insurance providers in the United States. It reunites a total of 36 companies and organizations that work with more than 100 million Americans for health care and insurance services. Throughout the country you can find Blue Cross Blue Shield Dental plans, such as BlueDental, BlueCare Dental, Blue Cross Blue Shield Federal Dental (FEP BlueDental), according to the specific Blue Cross Blue Shield in the state.

While Blue Cross Blue Shield Dental Insurance services vary from state to state and plan to plan, depending on the BCBS organization or company, there are a few main features that can be identified. These may include dental care for individuals of all ages, out of network dental care, preventative services or deductibles.

Like we previously mentioned, Blue Cross dental plans are different, based on the company in the area. To illustrate a few examples of dental care options that you could look into, here are a few Blue Cross dental insurance plans from the Blue Cross Blue Shield Blue Care Network of Michigan:

Blue Dental PPO Pediatric

Blue Cross Blue Shield Dental Insurance

Source: FlossCard

This is one of the most popular Blue Cross dental plans for minors. The Blue Dental PPO Pediatric plan covers members that are under the age of 18 and has benefits such as:

  • Paying 20% for cleanings, exams and other similar services
  • Out of network dental care
  • Deductibles start at $25

Blue Dental EPO Standard

The Blue Dental EPO Standard plan was designed for families who want to invest in dental care and prevention. The plan does not cover services from dentists that are out of the mentioned network, but features the following benefits:

  • Dental care for members of all ages
  • Paying 20% for services that are offered in the network
  • $1,200 maximum benefit for adults in the network

Blue Dental PPO Standard

This Blue Cross Blue Shield Dental plan was designed to meet the needs of customers who wanted dental services from outside of the Blue Dental EPO Standard Network. The plan features:

  • Out of network dental care
  • $1,200 maximum benefit for adults in the network
  • Dental care for members of all ages

Blue Cross Blue Shield Federal Dental (FEP BlueDental)

FEP BlueDental is the Blue Cross Blue Shield Federal Employee Program for Blue Cross Blue Shield Dental Insurance. According to the official Blue Cross Blue Shield Federal Employee Program website, the Blue Cross and Blue Shield Service Benefit Plan was designed for current and former federal employees, as well as their families. It currently covers approximately 5.3 million individuals who are eligible for this program. As far as Blue Cross Blue Shield Federal Dental is concerned, there are two solutions: their Standard Option and their High Option.

The Blue Cross Blue Shield Federal Dental Standard Option offers:

  • basic, intermediate and major services
  • $1,500 maximum benefit per year for services that are in the network
  • $750 per year for benefits that are out of the network

The Blue Cross Blue Shield Federal Dental High Option offers:

  • basic, intermediate and major services
  • $15,000 maximum benefit for in-network services every year
  • $3,000 yearly benefits for out of network services

Blue Cross Blue Shield Dental Insurance Customer Feedback

Unfortunately, when it comes to feedback regarding Blue Cross Blue Shield Dental Insurance and BCSB services in general, it seems that customers are highly disappointed in the services they receive. Most consumer reports show that Blue Cross Blue Shield provides poor customer service, with numerous reviews that share the same claim. Customers who invested in a Blue Cross Blue Shield Dental Insurance plan share that they experienced multiple problems, from experiencing issues prior to getting dental coverage (not having requested information sent to them), to problems with enrollment (not knowing if a customer was enrolled or not), to providing a different dentist than customers asked for.

We highly recommend that you do thorough research before purchasing any dental and vision insurance plan and find out what experiences customers in your area had with a specific provider.

Interested in purchasing a health plan instead along with your new dental policy? Discover why a Premera Blue Cross health insurance plan is right for you.

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