Anthem BCBS – Colorado Dental Plans

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With the Anthem dental plans, you’ll get dental coverage on day one with no deductible deductible required for check-ups, cleanings and other preventive services. Most important, costs are typically reduced when you receive care from any Anthem participating network dentists. However, you also have the option to see any dentist not in the network, but your out-of-pocket costs may be higher.

Some highlights of Anthem BCBS Dental Plans include:

  • Coverage can be used to provide dental benefits to an individual, spouse, children or any combination of dependents.
  • A $50 deductible, based on fee schedule allowances, applies for dental procedures or services received by a covered individual during each benefit year.
  • Maximum deductible amount of $150 for family coverage.
  • Deductibles do not apply to oral exams, cleanings, fluoride treatments, sealants and X-rays.
  • $1,000 orthodontia benefit for children under 19 years old
  • For more information on coverage and benefits, view the Dental Outline of Coverage.

Eligibility Requirements

You must enroll in a Anthem health plan in order to enroll in the dental plan.

You have up to 31 days from the effective date of your policy to enroll.

All members on that health plan must be enrolled in Dental Indemnity USA.

Once your dental plan is dropped for any reason, you cannot re-enroll unless you reapply for a new health insurance plan.

There are three ways to enroll in BlueCare Dental PPO:

  • Select ‘YES’ next to the Dental option when you apply online for any qualifying Blue Cross and Blue Shield of Colorado health plan.
  • Download a paper application and email to [email protected] or fax to 847-220-9280.
  • Call us at (312) 726-6565
The following benefits are available to adult members age 19 or older. After you have met your Annual Deductible, Anthem will pay dental benefits at the listed coinsurance amounts up to the Maximum Allowed Charge (MAC) for each covered service. Anthem determines the Maximum Allowed Amount payable for each dental procedure. There may be different levels of coinsurance, depending upon whether you choose to receive services from a Participating or a Nonparticipating dentist.

Coverage Year Calendar Year
Annual Deductible (per covered person; applies to all services) $50
Waiting Periods
  • None for Diagnostic & Preventive Services
  • 6 months for Basic Services
  • 12 months for all other services
DENTAL SERVICES (examples of what is/is not covered by the plan): IN-NETWORK Anthem pays: OUT-OF-NETWORK Anthem pays:
Annual Benefit Maximum $750  
Annual Out-of-Pocket Maximum Not applicable Not applicable

Diagnostic & Preventive Services, for example:

  • Periodic oral exam
  • Teeth cleaning
  • Bitewing X-rays
100% 50%

Basic Services, for example:

  • Composite (tooth-colored) fillings on anterior (front) teeth
  • Amalgam (silver-colored) fillings on posterior (back) teeth
  • Posterior (back) composite fillings covered at amalgam allowance
50% 25%

Endodontic Services, for example:

  • Root canal
30% 15%

Periodontal Services, for example:

  • Scaling and root planing
30% 15%
Oral Surgery Services 30% 15%

Major Services, for example:

  • Crowns
30% 15%

Prosthodontic Services, for example:

  • Dentures and bridges
30% 15%
Orthodontic Services Not covered Not covered

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Benefits & Rates

* Includes insured, spouse, and three or more children
1. This document does not contain a complete listing of the exclusion, limitations and conditions that apply to the benefits shown. For full information refer to the member’s certificate of
benefits booklet.
2. Annual maximum does not apply to members under age 21.
3. Rates subject to change.
4. Region 1 rates apply to members residing in the following counties: Archer, Austin, Bastrop, Brazoria, Caldwell, Chambers, Clay, Collin, Dallas, Delta, Denton, Ellis, Fort Bend,
Galveston, Grayson, Harris, Hays, Hunt, Johnson, Kaufman, Liberty, Montgomery, Parker, Rockwall, San Jacinto, Tarrant, Travis, Waller, Wichita, Williamson and Wise.
5. Region 2 rates apply to all members residing in counties outside Region 1
6 Out of Pocket Maximum only applies to members under age 21.
7. The plans listed above refer to the following plans on your Outline of Coverage: 01 = 1A, 02 = 1B, 03 = 2A, 96 = 4 Kids 1A, 97 = 4 Kids 1B
All benefits are based upon the Allowable Amount, which is the amount determined by Anthem as the maximum amount eligible for payment of benefits. A Contracting Dentist cannotbalance bill for charges in excess of the Allowable Amount. Benefits for services provided by a Non-Contracting Dentist will be based upon the same Allowable Amount, and it is likely that the Non-Contracting Dentist will balance bill for amounts above this, resulting in higher out-of-pocket expenses.

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Anthem BlueCross BlueShield Colorado

 

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