Dental health is an important aspect of overall body health. While it may sometimes feel secondary to medical care, oral health has tremendous influence over your body’s total well-being. Many individuals overlook dental insurance and do not consider it till a need arises but preventive care, routine cleanings and the ability to take care of a sudden dental catastrophe can save you from lot of pain and high costs down the road. A great provider of dental coverage in the United States is BlueCross BlueShield.
BlueCross BlueShield, often abbreviated as BCBS, is a conglomerate of 36 different health insurance companies in United States. Together, they provide coverage to almost 107 million Americans. The comprehensive coverage provided by BlueCross BlueShield Dental supports an array of dental procedures, from routine cleanings to more extensive restorative procedures. This insurance allows customers to maintain optimum dental health without the worry of exorbitant costs.
BlueCross BlueShield Dental Coverage
The dental plan offered by BCBS include a sweeping variety of services. Preventive services like oral exams, cleanings, fluoride and sealant treatments for children, and X-rays, are generally covered 100%. These services are typically not subjected to deductibles, co-insurances, or waiting periods. Early detection of diseases like oral cancer and gingivitis can be lifesaving, and the preventive services that BCBS covers helps in early detection.
Basic services like fillings, extractions and root canal treatments are usually covered by insurance after a deductible is satisfied and may come with short waiting periods. Major services including crowns and implants are also generally covered after satisfying the waiting period and deductibles. It is important to understand your dental policy well to know what is covered and to what degree.
BlueCross BlueShield Dental Network
Your options for providers are expansive with a BlueCross BlueShield dental plan. BCBS’s network consists of over 375,000 dentists nationwide. This vast network enables members to receive care from some of the best dental healthcare providers without the stress of excessive out-of-pocket costs. Dental providers within the BCBS network agree to charge reasonable, negotiated rates for the services, which could bring significant savings to the insured.
As an example, let’s look at a cosmetic dentist located in Australia, practicing in one of Sydney’s most popular beach side destinations. As a patient, your objective is to have the perfect smile, so you search for the best cosmetic dentist in your area online. You may come across a highly recommended cosmetic dentist Bondi. Known for their high-quality service and expertise in cosmetic dentistry, they are exactly what you’re looking for but you wonder if they’ll accept your BCBS dental insurance. Although BCBS is primarily operational within the U.S, they do have specific international healthcare coverage that could potentially cover your procedure. It is essential to contact your BCBS representative for details on international coverage if you plan to use services outside of the U.S.
The Value of Dental Insurance
Despite the minor costs involved, dental insurance is a worthwhile investment. The BCBS dental coverage ensures that preventive measures are taken to keep your dental health in check without any out-of-pocket costs for preventive care. Even for extensive treatments, the insurance cap minimizes your costs, ensuring you won’t face financial burden due to any unexpected dental problems. In the long run, paying the monthly premiums could save you from bearing immense costs of dental procedures in future.
Overall, the peace of mind that comes with having comprehensive dental coverage like that offered by BlueCross BlueShield is immeasurable. From preventive care to ensuring you’re protected even in the event of a dental emergency, BCBS offers a dental plan worth considering. Understand your needs, analyze your options, and make a decision that best suits you and your family’s dental health.