Dental

  • 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.

    Serious dental health conditions like root canal, periodontal disease, and gingivitis often coincide with increased risk of cardiovascular disease, anemia, and other health conditions along with higher overall healthcare costs, 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.

    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.

    How it works

    On many dental plans the deductible is waived for preventive care. Otherwise, like your medical plan, you’ll have a deductible to meet before Premera starts contributing to 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 dental benefits will pay for a member in a plan year. Check your plan details for your deductible and annual maximum.

    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 or controls on the charges out-of-network providers can bill, so you might receive higher bills than you expect. In-network providers contract with Premera and charge lower rates that are set for services and procedures. We call these allowed amounts. You could be billed the difference between the allowed amount and what the provider charges.

    To find a dentist in your network, sign in to your online account and use the Find Care tool. In-network dentists are contracted with us to give you the best price on your care.

    Know how much you’ll pay

    Providers can give you a cost estimate before your procedure, so you can make the best choice for your care. Most dental clinics will give you this information, but if they don’t, ask! For an estimate, sign into your account and use the cost estimator tool.

    Commonly asked member questions

    How do I know if I have dental?

    If you’re not sure, sign in to your online account. If you have dental from Premera, you’ll see your dental deductible on your dashboard and a summary of benefits that explains what your plan covers.

    What is covered as dental and what is medical?

    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.

    Is orthodontia covered?

    Some but not all dental plans include coverage for orthodontia. Check with 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.

    Which dental plan should I choose?

    First, if you have a dentist you like, use Find a Doctor to see if your dentist is in network for the plan you’re interested in. We offer two dental networks: Choice and Copay Select.

    Are fluoride treatments covered?

    Fluoride treatment coverage varies by plan. Sign in to your account and check your plan details. Fluoride coverage can also vary by age.