Blue Cross Blue Shield FEP Dental Brochure - 2025
Blue Cross Blue Shield FEP Dental
Class B Intermediate
Class B Intermediate
Class B Intermediate
Important things you should keep in mind about these benefits:
You Pay:
High Option
Standard Option
- Please remember that all benefits are subject to the definitions, limitations, and exclusions in this brochure and are payable only when we determine they are necessary for the prevention, diagnosis, care, or treatment of a covered condition and meet broadly accepted national standards of practice.
- The calendar year deductible is $0 if you use an in-network dentist.
- If you elect to use an out-of-network dentist, Standard Option has a $75 deductible per person; High Option has a $50 deductible per person. Neither option contains a family deductible; each enrolled covered person must satisfy their own deductible.
- There is no High Option Annual Benefit Maximum for non-orthodontic in-network services, and $3,000 for out-of-network services. However, alternate benefits may be applied. See Section 7 – Things We Do Not Cover, for a list of exclusions and limitations.
- The Standard Option Annual Benefit Maximum for non-orthodontic services is $1,500 for in-network services and $750 for out-of-network services. In no instance will BCBS FEP Dental allow more than $1,500 in combined benefits under Standard Option in any plan year.
- For inlay services, if you decide to have the alternate benefit of a filling done, the time limitation would be 1 every 24 months.
- In-progress treatment for dependents of retiring TDP enrollees will be covered for the 2025 plan year. This is regardless of any current plan exclusions for care initiated prior to the enrollee’s effective date.
- The following is an all-inclusive list of covered services.
You Pay:
High Option
- In-Network: No deductible; you pay 30% of the plan allowance for covered services as defined by the plan, subject to plan maximums. For children age 13 and under you pay $0 for covered services as defined by the plan, subject to plan maximums.
- Out-of-Network: $50 deductible; you pay 40% of the plan allowance for covered services as defined by the plan, subject to plan maximums and any difference between our allowance and the billed amount.
Standard Option
- In-Network: No deductible; you pay 45% of the plan allowance for covered services as defined by the plan, subject to plan maximums. For children age 13 and under, you pay $0 for covered services as defined by the plan, subject to plan maximums.
- Out-of-Network: $75 deductible; you pay 60% of the plan allowance for covered services as defined by the plan, subject to plan maximums and any difference between our allowance and the billed amount.