What do I need to know about the Blue Dental℠ PPO network and my 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 who provide lower costs for the services you receive. We say these dentists are in network. We also call them PPO or preferred dentists.

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

PPO in-network, Blue Par, and out-of-network service costs

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

  • PPO in network
  • Blue Par Select℠
  • Out of network

If you have an EPO plan, it only covers care you get from PPO in-network dentists. That's why your monthly payments are lower. There's no coverage when you see Blue Par Select or out-of-network dentists.  

Blue Par Select dentists are outside the Blue Dental PPO network and 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 Southeast Michigan and a member who has one of the Blue Dental plans that covers Class II at 50 percent both in- and out-of network.

Filling cost comparison
Dentist’s fee is $185 PPO in network Blue Par Select Out of network
You pay $61 $88.50 $96.50

Choosing a plan

Although every dentist will accept Blue Dental, they may not be in the PPO network or participate through Blue Par Select. If you want to save on monthly payments and are comfortable using only in-network dentists, an EPO plan could work for you.

If you have a dentist you like who's not a PPO dentist or there aren't many in-network dentists near you, a PPO plan may be better. You’ll pay more each month, but your plan will share the costs of care from any licensed dentist.

Find a PPO in-network dentist