Stand Alone Blue Dental Plan Choice Copayment Plan FCL
This is a little bit of info on that one awesome plan with Blue Cross Blue Shield of Florida – well it’s Florida Combined Life (a subsidiary of BCBSF)..anyway, take a look and let me know if you need any additional info or have questions.
The best stand alone dental plan that I have seen is the BCBSF Choice Copayment plan; attached are the details and below I’ve included further details as to why I have found it to be the most robust in benefits and also compare it to the other 2 dental plans offered by Blue Dental.
The PI210 is a decent dental plan, but I will definitely say that the Choice Copay plan is in my opinion the best PPO dental plan with regards to having access to low contracted pricing for dental services. Whereas, the PI210 only offers discounts on the provider’s charges – and the provider can change the pricing to the point where it wouldn’t really matter if you had the discount. For instance, below you’ll find that the UCR (usual and customary fee) for that specific dental surgical procedure is $850; Florida Combined Life has a contract rate of $432, and PI210 offers a 25% discount on specialist visits – but the 25% discount applies to the providers fee – not the UCR, meaning the specialist could have a price of $1500 or whatever amount.
Once you have had the plan for 1 year – the plan actually pays 50% of your dental services up to an annual maximum of $1000. So once the year waiting period for major services is satisfied then the policy holder would pay $216 and the plan would pay the other half. But even before the year waiting period is up with the Choice PPO Copay plan you would still only be subject to the $432 – not the UCR – so you would have to pay the full $432 since the plan wouldn’t be paying anything – but it’s still less than the UCR and perhaps less than the “discounted” price received with the PI210 plan.
I’m not too big on the Choice Plus plan since the only difference is the fact that you would have access to out of network doctors; and the network is strong enough as it is that I don’t feel it’s necessary to have to have that option and essentially the benefits are the same as the PPO Copay plan.
Finally, if you just need a dental plan for basic services (2 regular cleanings and 1 x-ray a year) then I would say the PI210 is more than sufficient, but I would advise not to expect too much should you need major services rendered such as root canals and extractions.
Blue Cross Blue Shield of Florida Dental ADA Codes
BlueDental Choice Plus and Copayment Plan Brochure
Dental Choice PPO Copay Schedule
Am I understanding this correctly that the dental plan has nothing to do with the health insurance & can be submitted separately ?
Which plan do you see as a good one ? Plan P1210 seems adequate but am I missing something. The only thing I see is that you have to use in-network providers. (where ever they are). Are there many to choose from in our area?
Yes the dental plan is completely different than the health insurance policy and is guaranteed issued; so we would submit an application for the standalone dental policy. The PI210 is a decent dental plan, but I will definitely say that the Choice Copay plan is in my opinion the best PPO dental plan with regards to having access to low contracted pricing for dental services. Whereas, the PI210 only offers discounts on the provider’s charges – and the provider can change the pricing to the point where it wouldn’t really matter if you had the discount. For instance, below you’ll find that the UCR (usual and customary fee) for that specific dental surgical procedure is $850; Florida Combined Life has a contract rate of $432, and PI210 offers a 25% discount on specialist visits – but the 25% discount applies to the providers fee – not the UCR, meaning the specialist could have a price of $1500 or whatever amount.
Once you have had the plan for 1 year – the plan actually pays 50% of your dental services up to an annual maximum of $1000. So once the year waiting period for major services is satisfied then the policy holder would pay $216 and the plan would pay the other half. But even before the year waiting period is up with the Choice PPO Copay plan you would still only be subject to the $432 – not the UCR – so you would have to pay the full $432 since the plan wouldn’t be paying anything – but it’s still less than the UCR and perhaps less than the “discounted” price received with the PI210 plan.
I’m not too big on the Choice Plus plan since the only difference is the fact that you would have access to out of network doctors; and the network is strong enough as it is that I don’t feel it’s necessary to have to have that option and essentially the benefits are the same as the PPO Copay plan.
Finally, if Michelle just needs a dental plan for basic services (2 regular cleanings and 1 x-ray a year) then I would say the PI210 is more than sufficient, but if she needs major services such as root canals then I would just advise not to expect too much.
But let me know which plan and what effective date you’d like – September 1st I’d guess and I will submit the application to you for your review and ultimate submission.
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