What do I need to know about Blue Dental℠ networks and costs?

Who is this for?

Michigan Health Insurance – Customer Service – Dental Plans

Michigan residents who buy their own dental insurance.

When you buy a Blue Dental plan, you’re also buying a network of dentists and other dental professionals who take your plan. We say these dentists are in network. We also call them participating or preferred providers.

Networks affect what you pay. Understanding them and their costs helps when you’re buying or using a Blue Dental plan.

Two networks

There are two Blue Dental networks: PPO and EPO. The main difference between them is:

  • PPO plans cover or help pay for care from dentists in the Blue Dental network, as well as those who aren’t in the network, so the monthly payments are higher
  • EPO plans only help pay for care from dentists who are in the Blue Dental network, so the monthly payments are lower

The list of in-network dentists you can choose from is the same for both networks.

In network, Blue Par, out of network

When you have a Blue Dental PPO plan, it covers or helps pay for care from three kinds of dental professionals:

  • In network
  • Blue Par Select℠
  • Out of network

Blue Par Select dentists are outside the Blue Dental network who agree to participate with us. That means they submit your claim to us and accept our approved amount. That saves you money.

Here’s how they compare. We’ll use the estimated cost of a filling based on prices in Southwest Michigan and a member who has Blue Dental PPO Standard.

Filling cost comparison
Dentist’s fee is $150 In network Blue Par Select Out-of-network
You pay $42.50 $64.50 $85.50

Choosing a plan

Many dentists take Blue Dental. If you want to save on monthly payments and are comfortable using only in-network dentists, an EPO plan could work for you.

But if you have a dentist you like who doesn’t take Blue Dental, or if no in-network dentists are near you, a PPO plan may be better. You’ll pay more each month, but your plan will help share the costs of care from any licensed dentist.

Find a dentist who takes Blue Dental.