Blue Cross Blue Shield Dentist – Fair Oaks, CA
Learn More About the Benefits of Blue Cross Blue Shield
Regular dental checkups and cleanings are essential to maintaining your oral health for life, but many patients may need some help making their dentist’s visits affordable. Thankfully, dental insurance from Blue Cross Blue Shield can be a fantastic way to reduce the cost of your routine and restorative oral care, and the team at RnR Dentistry is proud to be in-network with this excellent insurance provider. Here’s a quick look at how Blue Cross Blue Shield insurance benefits work and how we can help you maximize the coverage you pay for from the friendly team at our Fair Oaks dental office.
Blue Cross Blue Shield Coverage Availability & Fees
Dental insurance policies vary considerably in what they cover and how much coverage they offer, so we’ll have to go over your plan with you when we see you at our Fair Oaks office before we can provide you with a proper price estimate for your care. However, most Blue Cross Blue Shield insurance plans work something like this:
- 100% coverage for routine dental care like checkups, cleanings, and X-rays
- 80% coverage for minor restorative work like gum disease therapy and dental fillings
- 50% coverage for major restorative treatments like dentures and bridges
- No coverage for medically unnecessary treatments such as cosmetic procedures
- Some policies offer some coverage for orthodontic work, but this may be limited to dependents listed on the patient’s plan
HMO plans typically require patients to only see dentists who are in-network to receive coverage and involve few restrictions other than that. PPO plans, on the other hand, typically allow patients to see any dentist they like, but they usually impose limitations such as:
- A waiting period that must end before coverage takes effect
- A deductible that must be met before the policy will pay for anything
- An annual maximum that specifies the greatest amount of money the plan will pay in a year
The Benefits of Seeing an In-Network Dentist
PPO policyholders can usually see any dentist they like and still receive coverage, but seeing a dentist who is in network with your plan can help you maximize your benefits. An in-network dentist has negotiated prices with your insurance provider, which means she can typically provide care at a lower cost than an out-of-network dentist. Since we are in network with Blue Cross Blue Shield, our team has extensive experience navigating their policies, so we’ll be able to help you get the most out of your coverage. We’ll also be happy to file your claim paperwork so you won’t have to worry about it.