Benefits in Brief

Dental benefits in brief

Annual deductible - $50

A deductible is a fixed amount you must pay toward covered dental services each year before benefits are payable by the dental plan. Deductibles run on a calendar year from January 1 - December 31. Farm Bureau's member dental plan requires an annual deductible of $50 per person or $100 per family.

Coinsurance - 25% or 50%

Coinsurance is a percentage you must pay for covered services once your deductible is met. Dental procedures are divided into types of service or classes. The amount the Blues pays is determined by the class of service. For all classes of service, you are required to pay a coinsurance. Your coinsurances are 25% for Class 1 (preventive) services and 50% for Class 2 (Restorative) and 3 (Constructive) services, and are based on the BCBS approved amount.

Annual benefit maximum - $1,200/person

The maximum dollar amount your dental plan will pay out in benefits over the course of a calendar year. Dental benefits are subject to the $1,200 annual benefit maximum for combined Class 1, 2 and 3 services per member.

Covered services include:

• Preventive services like cleanings, x-rays, exam, sealants, fluoride treatments.
• Restorative services like fillings, root canals, extractions, periodontal scaling and planing.
• Constructive services like bridges, dentures and endosteal implants.

Non-covered services include:

• Orthodontics

Waiting period for major services

Class 1 preventive services will be covered from your paid effective date forward. There is a six-month waiting period from your effective date of coverage for Class 2 and 3 major services. After you've been on the dental plan for six months, you'll be eligible for Class 2 and 3 major services.

Class 2 services include fillings, inlays, onlays, root canals, periodontal scaling and planing, and extractions. Class 3 services include dentals, partials and bridges. Orthodontics (braces) are not covered.