The BMC Dental Plan is provided through Delta Dental. You have the choice of two different types of networks. Both options are considered network providers, so they cover the same services, have the same annual maximums, and the same coinsurance. You also don’t have to worry about balance billing when you see a provider from either network option. The difference between the two comes down to the reduced fees the dentists have agreed to provide BMC Dental Plan participants. See your Dental Plan benefits here.
Delta Dental PPO Network
You’ll want to find a dentist in the Delta Dental PPO network to get the most savings on covered dental services. That’s because these dentists have agreed to the most reduced fees. Why does this matter? Your coinsurance will apply to a smaller fee, so you pay less.
Delta Dental Premier Network
If you can’t find a Delta Dental PPO network dentist, a Delta Dental Premier dentist offers the next best opportunity to save. Like the Delta Dental PPO network dentists, Delta Dental Premier® dentists also have agreed to reduced fees, but the savings on these fees aren’t as much as with the Delta Dental PPO network dentists. So, your coinsurance amount will be applied to a higher fee, but you’re still saving more money than if you visit an out-of-network provider.
Out-of-Network Providers
With the BMC Dental Plan, you can still see any dentist you choose, but using a network provider saves you money. When you use an out-of-network dentist, services will be subject to an annual deductible, and your coinsurance amounts will be higher so your out-of-pocket costs will be higher. In addition, out-of-network dentists may balance bill you for the difference between the plan allowance and their usual fee for services.
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