Anthem's Dental Blue plans are network-based (PPO) dental insurance products. You will not maximize your benefits under these plans unless you use dentists participating in one of the Anthem Blue Cross Blue Shield networks. Do not buy one of these plans unless you have checked the Anthem dental networks to ensure your access to a participating dentist.
You can package one of the Anthem Dental Blue plans with your Anthem Blue Cross Blue Shield health insurance, or you can buy Anthem Dental Blue coverage on a stand-alone basis.
All three Anthem Dental Blue plans cover the full cost of in-network diagnostic and preventive care. In addition, they provide immediate coverage for minor restorative services like fillings and space maintainers.
The "budget" Dental Blue Basic 100 plan does not provide benefits for major restorative dental care, which is covered (subject to a 12-month waiting period) under the other two plans: Dental Blue Essential 100 and Dental Blue Essential 200.
Dental Blue Essential 100 and Dental Blue Essential 200 provide basically the same coverage. The difference is that the higher cost Dental Blue Essential 200 plan has a bigger network of dentists -- including all the dentists who participate in the 100 network.
How to Apply
Provide zip code, gender and birth date information. You will be presented with Anthem health insurance quotes. Click the "Dental Plans" tab in the upper left part of the quote menu. You will be presented with the three Dental Blue plan choices. Pick one and put it in your Anthem shopping cart. You will have the option of buying it stand-alone or combining it with an Anthem health insurance plan.
|Networks||Dental Blue 100||Dental Blue 100||Dental Blue 200 (Includes all Dental Blue 100 Dentists)||Benefit from negotiated rates at Dental Blue Providers|
|Preventive and Diagnostic Care||100% covered within plan network; includes routine checkups, X-rays and fluoride applications for children||100% covered within plan network; includes Basic 100 services plus space maintainers||No waiting period; no deductible in or out of network; covers two routine cleanings and oral exams per year; molar/bicuspid X-rays; full mouth X-rays covered once every five years|
|Minor Restorative Dental Care||80% covered within plan network and pays set amount out-of-network after $50 deductible;* includes fillings and space maintainers; extractions not covered||80% covered within plan network and pays set amount out-of-network after $50 deductible;* includes fillings and extractions; space maintainers considered preventive/diagnostic care||No waiting period|
|Major Restorative Dental Care||Not covered||Pays set amount within plan network and out-of-network after $50 deductible;* includes crowns, bridges, root canals and dentures||12-month waiting period with Dental Blue Essential plan options|
|Monthly Rates (subject to change)||Adult: $18.50
Anthem Dental Blue eligibility rules are similar to Anthem's health insurance eligibility requirements, except you can purchased stand-alone Dental Blue coverage for a single child or for multiple children:
Enrollment restrictions apply when Anthem Dental Blue coverage is purchased in conjunction with Anthem Blue Cross Blue Shield health insurance. These enrollment rules do not apply when Dental Blue is purchased "stand alone."
In order for family members, including spouse, to be eligible for Dental Blue coverage, the health insurance subscriber must also sign up for the benefit. In addition, either all or none of the dependent children in the health insurance plan must enroll in the dental plan.
A complete dental application submitted by an eligible applicant should not take more than a few business days for Anthem to process. So your Anthem Dental Blue insurance can typically begin very soon after your submitting the application.
However, when you purchase Anthem Dental Blue in conjunction with Anthem Blue Cross Blue Shield health insurance, your dental insurance will not begin until the effective date of your Anthem health plan, and the health insurance application can take longer to process.