Anthem Dental Blue - for Indiana Residents
Ratings from A.M. Best
| Basic 100 |
Essential 100 |
Essential 200 |
|
| Adult (19-65): | $17.00 | $20.00 | $28.50 |
| Child (0-18): | $12.00 | $14.00 | $20.00 |
Network-Based Dental Plans
Anthem's Dental Blue plans are network-based (PPO) dental insurance products. You won't maximize your benefits under these plans unless you use dentists participating in one of the Anthem networks. Don't buy one of these plans unless you've checked the dental networks to ensure your access to a participating dentist.
Diagnostic and Preventive Care
All Anthem's Dental Blue plans cover the full cost of in-network diagnostic and preventive care. Benefits for more extensive dental services vary by plan. Dental Blue can be purchased in conjunction with an Anthem medical plan, or you can buy it stand-alone.
Three Dental Networks
The Dental Blue products use three Anthem dental networks. To understand the Dental Blue plans, you need to understand the differences in these networks:
- 100 Network
The 100 Network is Anthem's core network of participating dentists. These dentists provide "network" services under all the Anthem Dental Blue plans. - 200 Network
The 200 Network is a more exclusive network of participating Anthem dentists. You can receive "participating" insured plan benefits for services delivered by these dentists only if you're enrolled in the Anthem Dental Blue Essential 200 plan, which is the highest cost option. -
300 Network
300 Network dentists have agreed to provide members of all Anthem Dental Blue plans with 35% discounts. However, this is a "discount only" arrangement. Anthem doesn't provide insurance reimbursements for services delivered by 300 Network dentists.
Three Dental Plan Choices
You have a choice of three distinct Anthem Dental Blue plans. Following are plan overviews - listed in order of least expensive to most expensive:
Dental Blue Basic 100
- $17.00 per adult, $12.00 per child
- Comprehensive Preventive and Diagnostic Care coverage -- 100% coverage with no deductible when you use a "participating" dentist
- Coverage for Minor Restorative services (simple extractions EXCLUDED) -- paid subject to a $50 deductible and fee schedule
- No coverage for Major Restorative services
- $500 annual maximum benefit per member
- "Participating" insured plan benefits for services provided by dentists in the 100 Network
- "Discounted" non-insured prices from dentists in the 200 Network and in the 300 Network
Dental Blue Essential 100
- $20.00 per adult, $14.00 per child
- Comprehensive Preventive and Diagnostic Care coverage -- 100% coverage with no deductible when you use a "participating" dentist
- Coverage for Minor Restorative services (simple extractions INCLUDED)
- Major Restorative services INCLUDED (subject to 12 month waiting period)
- Minor Restorative services and Major Restorative services are paid subject to a combined $50 deductible and fee schedule.
- $1000 annual maximum benefit per member
- "Participating" insured plan benefits for services provided by dentists in the 100 Network
- "Discounted" non-insured prices from dentists in the 200 Network and in the 300 Network
Dental Blue Essential 200
- $28.50 per adult, $20.00 per child
Preventive, Diagnostic and Restorative Benefits
- Comprehensive Preventive and Diagnostic Care coverage -- 100% coverage with no deductible when you use a "participating" dentist
- Coverage for Minor Restorative services (simple extractions INCLUDED)
- Major Restorative services INCLUDED (subject to 12 month waiting period)
- Minor Restorative services and Major Restorative services are paid subject to a combined $50 deductible and fee schedule.
- $1000 annual maximum benefit per member
- "Participating" insured plan benefits for services provided by dentists in the 100 Network
- "Participating" insured plan benefits for services provided by dentists in the 200 Network
- "Discounted" non-insured prices from dentists in the 300 Network
