Dental Health
Happy, healthy smiles start here
Healthy oral habits are linked to overall health. We want you to get the oral care you need, so you can smile with confidence. That’s why we offer robust benefits for preventive care and screenings.
Know how much you'll pay or ask a dentist
Cost estimator
Get estimates for all your dental care before your next visit. For Members only.
Risk assessment
Find out if you or your child at higher risk for certain oral conditions, like tooth decay and oral cancer.
Check your dental benefits and coverage
To see your dental benefits and coverage, sign in to your online account. There, you’ll find your deductible information and what benefits you have remaining for the plan year.
Why go to a dentist?
Serious dental health conditions like root canals, periodontal disease, and gingivitis often coincide with increased risk of cardiovascular disease, anemia, and other health conditions, according to the Blue Cross Blue Shield Health of America.
That’s why our dental plans cover the most common dental needs with oral exams and cleanings with an in-network provider.
How your health plan works
On many dental plans, the deductible is waived for preventive care. This includes services like routine cleanings and x-rays. Otherwise, like your medical plan, you’ll have a deductible to meet before Premera starts contributingto the cost of your care. Once you meet your deductible, you’ll pay coinsurance, which is a percentage you pay at the time of care. Premera will pay its share of qualified expenses when you use an in-network provider.
Dental plans have an annual maximum, which is the most Premera will pay for dental benefits for a member in a plan year. Check your plan details for your deductible and annual maximum amounts.
Note: A dental plan annual maximum is different from medical plans, which have an out-of-pocket maximum.
In-network advantage
There are no limits to what out-of-network providers can bill, so you might receive higher bills than expected. Premera pays what we call “allowed amounts.” If a provider charges more than that, you could be billed the difference.
To avoid unexpected charges, use in-network providers who are contracted with Premera to charge only the allowed amount.
To find a dentist in your network, use our Find Care directory. In-network dentists are contracted with us to give you the best price on your care.
Dental health center
Ask a dentist, find a dentist, and read the latest dental news.
Frequently asked questions
If you have dental benefits from Premera, you’ll see your dental deductible on your dashboard and a summary of benefits that explains what your plan covers.
Treatment to teeth and gums is generally what dental plans cover, including injury to teeth. Medical plans typically cover illness or injury treated by medical doctors or physicians and not dental providers.
If you have concerns about which plan is being billed, check with your provider. You can also call Premera for preapproval before scheduling a service.
Some but not all dental plans include coverage for orthodontia. Sign in to your account to check your benefits or ask your employer to see what’s offered to your group. Keep in mind that some dental plans cover orthodontia just for children, and the plan might have a maximum amount.
First, if you have a dentist you like, use our Find Care directory to see if your dentist is in network for the plan you’re interested in.
If your employer sponsors a dental plan, you may simply enroll in that. If your employer offers more than one dental plan, consider your anticipated dental expenses and payroll deductions to estimate which plan best aligns with your needs.
Keep in mind that sometimes plans have a waiting period before major services are covered.
Fluoride treatment coverage varies by plan. Check your plan details. Fluoride coverage can also vary by age.