Anthem Blue Cross of California’s Dental PPO Explained

With prices of health care rising faster than salaries in California annually, it’s very easy for residents to ignore dental care and go without a dental care plan. However, not having a dental care plan can translate into thousands of dental expenses in the long run. By choosing Anthem Blue Cross of California’s Individual Dental PPO plan, a California resident can avoid paying huge dental expenses by paying as low as $43 every month. What can our lone plan subscriber expect from his Individual Dental PPO plan?

1. Free preventive and diagnostic dental services — Because Anthem believes that prevention is better than cure, it covers 100% of all preventive and diagnostic dental services using in-network dental care providers. For an adult individual, these include the following:

• Two Periodic oral exam
• Comprehensive oral exam
• Dental X-rays
• Two Routine cleaning
• Cleaning with fluoride
• Topical fluoride application only

2. Discounts on basic dental services — Three months from the date the individual’s dental PPO plan has started, the plan holder will be eligible for the basic dental services. Now, these aren’t free but using in-network dentists will result to huge savings on the part of the individual. Here’s a list of the basic services that Anthem covers:

• Fillings
• Tooth Extraction
• Surgical removal of erupted tooth
• Extraction of impacted tooth

3. Savings on major dental services — Twelve months or a year after the individual dental PPO plan has been activated, a plan holder is eligible for such major dental services as:

• Scaling/Root planning
• Gingivectomy
• Osseous surgery – four or more
• contiguous teeth
• Root canal
• Dental Inlay and Onlay
• Crowns
• Pontic
• Dentures

Keep in mind that Anthem only covers a portion of the costs of these major dental services. However, these still translates to hundreds of dollars in savings for the individual who is enrolled in the plan.

4. Pay $50 in deductibles –  Aside from his monthly premium, an individual should expect to pay as much as $50 in deductibles for basic and major dental services only.  As mentioned above, all preventive and diagnostic services are fully covered by Anthem. Any amount in excuse of the $50 will be shouldered by Anthem, provided that the dental care provider used by the plan holder belongs in their network.

5. Receive a total of $1000 in benefits — As will be stipulated in the plan holder’s policy, Anthem Blue Cross Life and Health Insurance Company will shoulder only up to $1,000 in dental care expenses. Assuming that you will pay the smallest monthly premium of $43 a month plus the $50 deductible, Anthem’s will be shouldering $520 of your dental expenses for the year. That’s $520 of savings for you!

In the event that your dental expenses exceed that maximum benefit of $1000 before the year ends, you still have the advantage of availing discounted dental services at rates negotiated by Anthem with the dental care provider.

So if you are a permanent, legal resident of California, call J.C. Lewis Insurance Services now and find out how you can enroll in this affordable dental PPO plan.