Overview
About this plan
There are nearly 3,400 PPO dentists in Michigan, and more than 118,000 nationwide. But there may be times you want to see a dentist who's not in the preferred network. This plan covers the same percentage for services you get in or out of network.
Availability
You can buy this plan if you live in any Michigan county.
Plan type
PPO. For dental care, you can go to any licensed dentist and this plan will share the cost. But you'll pay less if you see a PPO in-network dentist. That’s because our payment to dentists in our preferred network is lower, so your coinsurance is based on a lower amount, too.
Who's covered
This plan covers dental care for all ages.
Monthly premiums
To give you an accurate price, we'll need some information. Find a plan to get a quote.
Deductible for dental care
Class I services have no deductible. There is a deductible for Class II and III services only. Class IV is not covered.
In network
One member: You pay $75.
Two members: You pay $150.
Three members: You pay $225.
Out of network
One member: You pay $75.
Two members: You pay $150.
Three members: You pay $225.
Coinsurance for dental care
In network
Class I: You pay 20%.
Class II: You pay 40%.
Class III: You pay 50%.
Class IV: You pay 100%.
Out of network
Class I: You pay 20%.
Class II: You pay 40%.
Class III: You pay 50%.
Class IV: You pay 100%.
Annual benefit maximum for adult dental care
In network
$1,000 for each adult
Out of network
$1,000 for each adult
Annual out-of-pocket max for pediatric dental care
In network
- One member: You pay no more than $375.
- Two or more members: You pay no more than $750.
Out of network
Not applicable
Related documents
For even more details about this plan, see:
Certificates are legal documents that describe the benefits of a health insurance plan. Your plan might have different benefits and limitations than those listed in this document.
Adult Dental
Adult members are age 19 or older at the start of the coverage year.
Plan benefits
For dental care, you can go to any licensed dentist and this plan will share the cost. But you'll pay less if you see a PPO in-network dentist.
Class I
Preventive care like exams and cleanings
There is no waiting period for Class I services.
Dental exams
Visits are covered twice a year.
In network
You pay 20%.
Out of network
You pay 20%.
Teeth cleaning (prophylaxis)
Cleanings are covered twice a year.
In network
You pay 20%.
Out of network
You pay 20%.
Bitewing X-rays
A set of four films is covered once a year.
In network
You pay 20%.
Out of network
You pay 20%.
Fluoride treatments
Not covered
Class II
Basic restorative work like fillings and root canals
These services are covered six months after you first join a Blue Dental plan.
Periodontal maintenance
Limited to twice a year in combination with routine cleaning.
In network
You pay 40% after deductible.
Out of network
You pay 40% after deductible.
Fillings
Limited to once every 24 months for primary teeth, and once every 48 months for permanent teeth.
In network
You pay 40% after deductible.
Out of network
You pay 40% after deductible.
Simple extractions
In network
You pay 40% after deductible.
Out of network
You pay 40% after deductible.
Root canals
Coverage is once a lifetime per tooth.
In network
You pay 40% after deductible.
Out of network
You pay 40% after deductible.
Class III
Major restorative services like crowns and bridges
These services are covered 12 months after you first join a Blue Dental plan.
Oral surgery
This includes all oral surgery except simple extractions, which are covered in Class II.
In network
You pay 50% after deductible.
Out of network
You pay 50% after deductible.
Crowns, onlays, veneer fillings
Covered once per tooth every 60 months.
In network
You pay 50% after deductible.
Out of network
You pay 50% after deductible.
Bridges and dentures
Coverage is once every 84 months.
In network
You pay 50% after deductible.
Out of network
You pay 50% after deductible.
Implants
Not covered
Class IV
Orthodontic services
Not covered
Pediatric Dental
Children can get pediatric benefits until the end of the calendar year in which they turn 19.
There is no waiting period for pediatric dental.
Plan benefits
For dental care, you can go to any licensed dentist and this plan will share the cost. But you'll pay less if you see a PPO in-network dentist.
Class I
Preventive care like exams and cleanings.
Dental exams
Exams are covered twice a year.
In network
You pay 20% before meeting your out-of-pocket max.
You pay $0 after meeting your out-of-pocket max.
Out of network
You pay 20%.
Teeth cleaning (prophylaxis)
Cleanings are covered three times a year.
In network
You pay 20% before meeting your out-of-pocket max.
You pay $0 after meeting your out-of-pocket max.
Out of network
You pay 20%.
Bitewing X-rays
A set of four films is covered once a year.
In network
You pay 20% before meeting your out-of-pocket max.
You pay $0 after meeting your out-of-pocket max.
Out of network
You pay 20%.
Fluoride treatments
Fluoride treatments are covered twice a year for members to the end of the month of their 19th birthday.
In network
You pay 20% before meeting your out-of-pocket max.
You pay $0 after meeting your out-of-pocket max.
Out of network
You pay 20%.
Class II
Basic restorative work like fillings and root canals.
Periodontal maintenance
Limited to three times a year in combination with routine cleaning.
In network
You pay 40% before meeting your out-of-pocket max.
You pay $0 after meeting your out-of-pocket max.
Out of network
You pay 40% after deductible.
Fillings
Limited to once every 24 months for primary teeth, and once every 48 months for permanent teeth.
In network
You pay 40% before meeting your out-of-pocket max.
You pay $0 after meeting your out-of-pocket max.
Out of network
You pay 40% after deductible.
Simple extractions
In network
You pay 40% before meeting your out-of-pocket max.
You pay $0 after meeting your out-of-pocket max.
Out of network
You pay 40% after deductible.
Root canals
Coverage is once a lifetime per tooth.
In network
You pay 40% before meeting your out-of-pocket max.
You pay $0 after meeting your out-of-pocket max.
Out of network
You pay 40% after deductible.
Sealants
Sealants are covered once per fully erupted first and second permanent molar every 36 months for members to the end of the month of their 16th birthday.
In network
You pay 40% before meeting your out-of-pocket max.
You pay $0 after meeting your out-of-pocket max.
Out of network
You pay 40% after deductible.
Class III
Major restorative services like crowns and bridges
Oral surgery
This includes all oral surgery except simple extractions, which are covered in Class II.
In network
You pay 50% before meeting your out-of-pocket max.
You pay $0 after meeting your out-of-pocket max.
Out of network
You pay 50% after deductible.
Crowns, onlays, veneer fillings
Covered once per tooth every 60 months.
In network
You pay 50% before meeting your out-of-pocket max.
You pay $0 after meeting your out-of-pocket max.
Out of network
You pay 50% after deductible.
Bridges and dentures
Complete dentures covered once every 84 months; partial dentures and bridges covered once every 84 months for members age 16 and older.
In network
You pay 50% before meeting your out-of-pocket max.
You pay $0 after meeting your out-of-pocket max.
Out of network
You pay 50% after deductible.
Implants
Not covered
Class IV
Orthodontic services
Not covered
