What’s the difference between the two plans?
Both plans offer the same coverage and quality care. The main difference between the plans is the network of dentists you have to choose from.
Personal Blue Dental℠
This plan only covers services you receive from in-network dentists. If you want to see a dentist who is outside our PPO network, you’ll have to pay the full cost yourself.
Because of this restriction, Personal Blue Dental has a lower premium than Personal Blue Dental Plus. Personal Blue Dental also has a higher annual maximum.
Personal Blue Dental Plus℠
This plan gives you the freedom to choose any licensed dentist—in-network or out-of-network. You pay for this freedom with a slightly higher premium.
You have three options when you pick a dentist:
- Our PPO network dentists give you discounts on services that aren’t covered by your dental plan and lower out-of-pocket costs than out-of-network dentists. We use the Dentemax network of dentists.
- Blue Par Select℠ dentists decide whether they will join our network on a procedure-by-procedure basis. Be sure to ask if your dentist participates before each visit. Almost every dentist in the state works with us this way.
- Non-participating dentists can treat you, but you may have to cover extra costs. Out-of-network dentists haven’t agreed to price their procedures at our established rates. If they charge more than we pay for a certain procedure, you’ll need to make up the difference.