If you are seeking a Blue Cross Health Insurance Plan that includes dental coverage for the 2021 calendar year, contact The Mair Agency today. We have a number of health insurance agents that can help you choose which insurance is correct for you during open enrollment in the fall of 2020.
Dental insurance is a worthwhile investment if you would like to protect your overall health as well as the health of your family. Although regular brushing and flossing will keep your mouth in good shape, only a dentist and dental hygienists have the expertise and resources to completely clean your teeth and detect problems early on.
Without regular cleanings and exams at the dentist, bacteria can build up in your mouth and cause decay, cavities, and even tooth loss. By visiting the dentist every six month or so, you can prevent these issues and catch any problems before they become more serious and leave you with headaches and expenses.
Even a simple trip to the dentist for a cleaning and exam is expensive. If you have multiple people in your family, the costs can skyrocket. Therefore, it’s essential to invest in Dental Blue by Blue Cross Blue Shield of North Carolina. Dental Blue offers a variety of benefits including:
- Affordable premiums
- Two covered checkups and cleanings each year
- No deductible or wait for preventive services
- Coverage for major services such as crowns, bridges, and dentures
- A large network of dentists to choose from
Blue Dental makes it easy to find a dentist you trust. Simply visit www.bcbsnc.com, click on Find a Doctor and select Dental.
Rather than assuming your dentist or orthodontist will cover any cost associated with dental work, it is best to contact your dental office and have them run your insurance. Even if you think you know every line of your insurance policy, there are still parts of the plan that may cover specific dental surgeries, operations or basic services.
Frequently Asked Questions About Dental Insurance
How does dental insurance differ from a dental discount plan?
Sometimes, dental insurance and dental discount plan get used simultaneously. However, they are actually two different things. Dental insurance is a real insurance plan where you pay a monthly premium to an insurer like Blue Cross Blue Shield of North Carolina and they pay for covered dental services. A dental discount plan offers reduced prices on dental services with an in-network dentist and does not cover any dental expenses.
Does Medicare pay for dental care?
Many people are surprised to learn that unfortunately, Medicare does not pay for dental care. Once you enroll in Medicare, you are responsible for figuring out how you’ll pay for trips to the dentist.
Can I choose my own dentist?
Absolutely! Blue Cross Blue Shield of North Carolina partners with a large network of dentists so you can select one that is ideal for your unique situation. All you have to do is visit www.bcbsnc.com, and click on Find a Doctor and select Dental. Remember that you are welcome to change your dentist at any time. If you are looking for a Garner, NC area dentist or a dentist in Graham County in Western North Carolina, we have you coverage.
What if my dentist finds a cavity or other issue during an exam? Am I covered?
Depending on your Blue Cross Blue Shield of North Carolina plan, you may receive coverage. Check the details of your plan or call Mair Agency to double check. Note that many local dental office “dental membership plans” cover some basic services.
Is orthodontics covered under dental insurance?
When braces treatment is desired for cosmetic reasons, it’s not covered by dental insurance. Orthodontics is typically an optional benefit that may or may not be included in your plan.
Will I need to file a claim?
Fortunately, most dentists will file a claim on your behalf so you don’t have to worry about it. They’ll then bill you for any charges that your plan doesn’t cover. Ask your dentist about their particular claim process.
Contact MAIR Agency Today
If you’re interested in learning more about Blue Dental or would like to find a dentist you trust, don’t hesitate to contact us today. We’d be happy to answer any questions you may have and guide you through the process.