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Dental Plans

How It Works
Blue Cross Blue Shield of Massachusetts has a long history of providing dental coverage. In fact, we have been meeting the dental care needs of our members for more than 40 years.

Our full suite of Dental Blue® plans are designed to meet your various needs and budgets. Depending on the size of your organization, you can offer your employees everything from preventive dental services to comprehensive orthodontic and prosthodontic services. Many plans are highly customizable, allowing for true cost-sharing and cost-savings for both your organization and employees.

Special Offer

Network
The Dental Blue network of providers is established both locally and nationwide. Whether your organization is based primarily in Massachusetts or has a workforce that spans the country, employees can find a network provider nearby.

  • Access to more than 90 percent of the providers in Massachusetts, New Hampshire, and Rhode Island through the Dental Blue traditional indemnity network.
  • Dental Blue PPO provides access to in-network care through more than 2,200 provider locations in Massachusetts, New Hampshire, and Rhode Island.
  • Each Dental Blue plan offers access to a network of nearly 86,000 provider locations across the country.

Enhanced Dental Benefits
Enhanced Dental Benefits is a benefit design option that offers members diagnosed with diabetes, coronary artery disease, or who are pregnant additional, specific support. These benefits offer full coverage for preventive and periodontal services that have been connected to the total health of individuals with these conditions.

What's the connection? Clinical studies have shown an association between periodontal disease—the most common infectious disease in adults—and the control of diabetes and the severity of heart disease. In addition, periodontal disease among pregnant women has been associated with an increased risk of delivering a preterm, low-birthweight baby.

Coordinated Dental and Medical Care Strategies

  • Our Total Health Program
    We provide educational information to all participants in our Blue Care Connection® for diabetes disease management program about the role good oral health plays in controlling diabetes. Dental Blue members enrolled in our Blue Care Connection for diabetes program who have not utilized their dental benefits for preventive and periodontal services during the preceding 12 months are contacted by telephone to offer encouragement and assistance in obtaining appropriate dental care.
  • Living Healthy Babies®'
    Provides moms-to-be with education about the connection between oral health and prenatal health, and promotes regular dental checkups.

    • You can also view an overview of our Dental Blue plan categories or see a detailed comparison of our dental options.

    Questions?

    Options in this product family include:
    Dental Blue (Indemnity)
    Dental Blue PPO
    Dental Blue Select
    Dental Blue Preventive and Dental Blue PPO Preventive

    Required Dental Waiver

    Dental Blue (Indemnity)—Offers benefits and broad in-network access. Plans can be customized to best meet an organization's dental care needs. This now includes an exciting new benefit for our dental plans. Beginning with January 2009 renewals, all small group dental plans (those with fewer than 51 eligible members) will now include an Accumulated Maximum Rollover benefit on their anniversary date. This rollover benefit will allow each member to roll over certain unused annual dental benefits to be used in a future year (provided they meet specific criteria). Details of this new benefit can be found on the last page of any Summary of Benefits with anniversaries January 1, 2009 or later. This benefit is optional for large groups.

    Preventive Benefit
    Group    		 Basic Benefit Group
    Coverage    		 Basic Benefit Group
    Deductible    		 Maximum Summary of Benefits Summary of Benefits w/ Max Rollover Benefit on Anniversaries Beginning 1/1/09
    100% 80% $25 $1000 Summary of Benefits Summary of Benefits
    100% 80% $50 $1000 Summary of Benefits Summary of Benefits
    100% 80% $25 $750 Summary of Benefits Summary of Benefits
    100% 80% $50 $750 Summary of Benefits Summary of Benefits
    100% 80% $25 $500 Summary of Benefits Summary of Benefits
    100% 80% $50 $500 Summary of Benefits Summary of Benefits
    100% 50% $25 $750 Summary of Benefits Summary of Benefits
    100% 50% $25 $500 Summary of Benefits Summary of Benefits


    Preventive Benefit Group Basic Benefit Group Major Benefit Group Basic & Major Deductible Maximum Ortho Summary of Benefits Summary of Benefits w/ Max Rollover Benefit on Anniversaries Beginning 1/1/09
    100% 80% 30% $50 $750 Summary of Benefits Summary of Benefits
    100% 80% 30% $50 $1000 Summary of Benefits Summary of Benefits
    100% 80% 50% $25 $1500 Summary of Benefits Summary of Benefits
    100% 80% 50% $50 $1500 Summary of Benefits Summary of Benefits
    100% 80% 50% $25 $1000 Summary of Benefits Summary of Benefits
    100% 80% 50% $50 $1000 Summary of Benefits Summary of Benefits
    100% 80% 50% $25 $750 Summary of Benefits Summary of Benefits
    100% 80% 50% $50 $750 Summary of Benefits Summary of Benefits
    100% 80% 50% $25 $1500 $1000 Summary of Benefits Summary of Benefits
    100% 80% 50% $50 $1500 $1000 Summary of Benefits Summary of Benefits
    100% 80% 50% $50 $1250 $1000   Summary of Benefits
    100% 80% 50% $25 $1000 $1000 Summary of Benefits Summary of Benefits
    100% 80% 50% $50 $1000 $1000 Summary of Benefits Summary of Benefits
    100% 80% 50% $25 $750 $1000 Summary of Benefits Summary of Benefits
    100% 80% 50% $50 $750 $1000 Summary of Benefits Summary of Benefits
    100% 80% 50% $50 $1250   *Summary of Benefits  
    100% 80% 50% $50 $2000   *Summary of Benefits  
    100% 80% 30% $50 $750 $1500 *Summary of Benefits  
    100% 80% 30% $50 $1000 $1500 *Summary of Benefits  
    100% 80% 50% $25 $750 $1500 *Summary of Benefits  
    100% 80% 50% $25 $1000 $1500 *Summary of Benefits  
    100% 80% 50% $25 $1500 $1500 *Summary of Benefits  
    100% 80% 50% $50 $750 $1500 *Summary of Benefits  
    100% 80% 50% $50 $1000 $1500 *Summary of Benefits  
    100% 80% 50% $50 $1250 $1500 *Summary of Benefits  
    100% 80% 50% $50 $1500 $1500 *Summary of Benefits  
    100% 80% 50% $50 $2000 $1500 *Summary of Benefits  

    * Benefits are available effective 4/1/09.

    Back To Plan Options

    Dental Blue PPO—Offers access to a network of preferred dentists for lower member cost shares, while giving access to out-of-network providers. Dental Blue PPO, our traditional PPO plan, offers employees access to a network of preferred dentists, which allows both employers and employees to achieve cost-savings. Employees have the freedom to seek care from out-of-network providers; however, in-network services offer greater savings. This now includes an exciting new benefit for our dental plans. Beginning with January 2009 renewals, all small group dental plans (those with fewer than 51 eligible members) will now include an Accumulated Maximum Rollover benefit on their anniversary date. This rollover benefit will allow each member to roll over certain unused annual dental benefits to be used in a future year (provided they meet specific criteria). Details of this new benefit can be found on the last page of any Summary of Benefits with anniversaries January 1, 2009 or later. This benefit is optional for large groups.

    Preventive Benefit
    Group    		 Basic Benefit Group
    Coverage    		 Basic Benefit Group
    Deductible    		 Maximum Summary of Benefits Summary of Benefits w/ Max Rollover Benefit on Anniversaries Beginning 1/1/09
    100% 80% $50 $1000 Summary of Benefits Summary of Benefits


    Preventive
    Benefit Group    		 Basic
    Benefit Group    		 Major
    Benefit Group    		 Basic & Major
    Deductible    		 Maximum Ortho Summary of Benefits Summary of Benefits w/ Max Rollover Benefit on Anniversaries Beginning 1/1/09
    100% 80% 30% $50 $750   Summary of Benefits Summary of Benefits
    100% 80% 30% $50 $1000   Summary of Benefits Summary of Benefits
    100% 80% 50% $50 $1500   Summary of Benefits Summary of Benefits
    100% 80% 50% $25 $1500   Summary of Benefits Summary of Benefits
    100% 80% 50% $50 $1000   Summary of Benefits Summary of Benefits
    100% 80% 50% $25 $1000   Summary of Benefits Summary of Benefits
    100% 80% 50% $50 $750   Summary of Benefits Summary of Benefits
    100% 80% 50% $50 $1500 $1000 Summary of Benefits Summary of Benefits
    100% 80% 50% $25 $1500 $1000 Summary of Benefits Summary of Benefits
    100% 80% 50% $50 $1000 $1000 Summary of Benefits Summary of Benefits
    100% 80% 50% $50 $750 $1000 Summary of Benefits Summary of Benefits
    100% 80% 30% $50 $750 $1500 *Summary of Benefits  
    100% 80% 30% $50 $1000 $1500 *Summary of Benefits  
    100% 80% 50% $50 $750 $1500 *Summary of Benefits  
    100% 80% 50% $50 $1000 $1500 *Summary of Benefits  
    100% 80% 50% $50 $1500 $1500 *Summary of Benefits  
    100% 80% 50% $25 $1000 $1500 *Summary of Benefits  
    100% 80% 50% $25 $1500 $1500 *Summary of Benefits  

    * Benefits are available effective 4/1/09.

    Back To Plan Options

    Dental Blue Select—With the enhanced Dental Blue PPO employees are rewarded for using in-network providers with fewer out-of-pocket expenses, and they can also visit a non-participating dentist of their choice at a lower level of benefits This now includes an exciting new benefit for our dental plans. Beginning with January 2009 renewals, all small group dental plans (those with fewer than 51 eligible members) will now include an Accumulated Maximum Rollover benefit on their anniversary date. This rollover benefit allows each member to roll over certain unused annual dental benefits to be used in a future year (provided they meet specific criteria). Details of this new benefit can be found on the last page of any Summary of Benefits with anniversaries January 1, 2009 or later. This benefit is optional for large groups.

    Network Preventive Benefit Group Basic Benefit Group Major Benefit Group Maximum Ortho Summary of Benefits Summary of Benefits w/ Max Rollover Benefit on Anniversaries Beginning 1/1/09
    In
    Out Of    		 100%
    100% after $25 Ded.    		 100%
    80%    		 60%
    50%    		 $1500   Summary of Benefits Summary of Benefits
    In
    Out Of    		 100%
    100% after $25 Ded.    		 90%
    80%    		 60%
    50%    		 $1500   Summary of Benefits Summary of Benefits
    In
    Out Of    		 100%
    100% after $25 Ded.    		 100%
    80%    		 60%
    50%    		 $1000   Summary of Benefits Summary of Benefits
    In
    Out Of    		 100%
    100% after $25 Ded.    		 90%
    80%    		 60%
    50%    		 $1000   Summary of Benefits Summary of Benefits
    In
    Out Of    		 100%
    100% after $25 Ded.    		 100%
    80%    		 60%
    50%    		 $1500 $1000 Summary of Benefits Summary of Benefits
    In
    Out Of    		 100%
    100% after $25 Ded.    		 90%
    80%    		 60%
    50%    		 $1500 $1000 Summary of Benefits Summary of Benefits
    In
    Out Of    		 100%
    100% after $25 Ded.    		 100%
    80%    		 60%
    50%    		 $1000 $1000 Summary of Benefits Summary of Benefits
    In
    Out Of    		 100%
    100% after $25 Ded.    		 90%
    80%    		 60%
    50%    		 $1000 $1000 Summary of Benefits Summary of Benefits
    In
    Out Of    		 100% 100%   $1000 $1500 *Summary of Benefits  
    In
    Out Of    		 100% 100%   $1500 $1500 *Summary of Benefits  
    In
    Out Of    		 100% 90%   $1000 $1500 *Summary of Benefits  
    In
    Out Of    		 100% 90%   $1500 $1500 *Summary of Benefits  

    * Benefits are available effective 4/1/09.

    Back To Plan Options

    Dental Blue Preventive and Dental Blue PPO Preventive—Offers significant cost savings and provides employees and their dependents access to essential preventive dental care services with no deductible for these covered services. This now includes an exciting new benefit for our dental plans. Beginning with January 2009 renewals, all small group dental plans (those with fewer than 51 eligible members) will now include an Accumulated Maximum Rollover benefit on their anniversary date. This rollover benefit will allow each member to roll over certain unused annual dental benefits to be used in a future year (provided they meet specific criteria). Details of this new benefit can be found on the last page of any Summary of Benefits with anniversaries January 1, 2009 or later. This benefit is optional for large groups.

    Preventive Benefit Group Basic Benefit Group
    Coverage    		 Basic Benefit Group
    Deductible    		 Maximum Summary of Benefits Summary of Benefits w/ Max Rollover Benefit on Anniversaries Beginning 1/1/09
    Dental Blue Preventive 100% $0 $500 Summary of Benefits Summary of Benefits
    Dental Blue PPO Preventive 100% $0 $500 Summary of Benefits Summary of Benefits

    Back To Plan Options

    Blue Cross Blue Shield of Massachusetts

    Blue Cross Blue Shield of Massachusetts is an Independent Licensee of the Blue Cross and Blue Shield Association.
    ® Registered Marks of the Blue Cross and Blue Shield Association.
    © 2009 Blue Cross and Blue Shield of Massachusetts, Inc., and Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc.
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