International Health Insurance for Traveler and Expatriates

Blue Shield of California Dental Plans for Individuals and Families

Almost everyone knows of a story from friends and family about how expensive their dental care has become. It is hard to fathom how expensive a visit to the dentist these days and unlike a visit to the doctor your visit to your local dentist is more than likely not covered by any insurance. Like health care, dental care has no road map for most people. How do you know what a visit is going to cost you when you make that appointment. Further how do you know how to process the recommendations made by your dentist and at what cost? 2018 and beyond does show a bit of hope in the cost area now that the Individual Mandate associated with the Affordable Care Act is concerned. Why? Simply because we will start to see more competitive medical insurance products rise from the ashes.

GOOD NEWS - today there are actually quite a few really good Dental Plans available to the Individual and their families. Basically there are three types of plan designs. The HMO, PPO and the Fixed Benefit Plans. Each offers a slightly different twist but the bottom line is that if you actually take advantage of these plan types you will save money on your next dental visit. Blue Shield of California is and has been an innovative leader in the Stand Alone Dental Plan market for a very long time. And today they offer some of their best options yet.

A Complete Plan is a Better Plan

There is more to good health than eating right, excercising and getting regular checkups. Taking care of your oral and visual health is just as important. That is why Blue Shield of California offers a variety of dental and vision plans for you to choose from. And, if you are one of those who prefer comprehensive simplicity then Blue Shield offers a single plan that has both the dental and vision combined into a single plan.

Blue Shield has you Dental Plan

Protect your family with one of Blue Shield's PPO, or HMO dental plans, and you'll enjoy a range of dental benefits including cleanings and X-ray for $0, and access to more than 38,000 PPO or 26,000 HMO dentists throughout California. The HMO plans generally cost less per month and have lower out-of-pocket costs for services compared with PPO plans. PPO plans, however, offer you more flexibility in your choice of dentists. If you value greater choice in dental providers, and you're willing to pay a bit more, a PPO plan might be the preferred plan for you. If keeping cost down is your biggest concern over a larger provider network then the HMO plans could be the better choice.

Blue Shield of California Dental Plans
(some benefits have waiting periods - refer to Dental Brochure)
BENEFIT EXAMPLES Enhanced HMO $0 Dental HMO Enchance PPO 25/500 Enhanced PPO 50/1250 Dental PPO Specialty DUO Dental & Vision
Monthly Rates Start At $14.20 $20.00 $22.40 $27.20 $31.60 $47.90
Diagnostic & Prevention $0 $0 $0 $0 $0 $0
Restorative Services $20 $18 20% 20% $37 $37
Removal of impacted tooth $225 $125 50% 50% $113 $113
Root canal (anterior root canal) $175 $155 50% 50% $156 $156
Root canal (molar) $355 $290 50% 50% $234 $234
Crowns (full cast high noble metal) $350 $300 50% 50% $320 $320
Pontic (porcelain fused to high noble metal) $350 $300 50% 50% $293 $293
Orthodontics $2,350 under age 26, fully bnded, two years. $2,650 age 26+ two year fully banded $2,350 under age 26, fully bnded, two years. $2,650 age 26+ two year fully banded Not Covered Not Covered $2,350 under age 26, fully bnded, two years. $2,650 age 26+ two year fully banded $2,350 under age 26, fully bnded, two years. $2,650 age 26+ two year fully banded
Periodontal scaling and root planing (four or more teeth) $75 $55 50% 50% $65 $65
Surgical placement of implant body - endosteal implant (prededure code D6010) N/A $1,375 N/A 50% $612 $612
Denture (full upper or lower) $400 $400 50% 50% $388 $388
Calendar Year Deductible $0 $0 $25 per individiual / $75 per family $50 per individiual / $150 per family $50 per individual $50 per individual
Calendar Year Maximum $0 $0 $500 per individual $1,250 per individual $1,000 per individual $1,000 per individual
Orthodontics N/A N/A N/A Not Covered $100 Ded, 50% coinsurance Copay
Download Dental Brochure Download Paper Application Enroll Online



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