Traditional Plus Dental Plan •   Benefit Chart •   Eligibility Requirements •   How To Apply For Coverage •   Premium Rates •   Waiting Period For Major Services
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TRADITIONAL PLUS DENTAL PLAN

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Farm Bureau's Traditional Plus dental plan is through Blue Cross Blue Shield of Michigan, the most recognized and accepted insurance provider nationwide. Our dental plan is open to all Farm Bureau members and covers both preventive and major services. Orthodontics are not covered.

Use any dentist you choose

With the Traditional Plus dental plan, you have three options for choosing a dentist. The main difference between them is the amount you pay out-ofpocket. You can choose the same or different option each time you see a dentist. Your three options are:

DenteMax preferred network dentist

Blue Cross Blue Shield of Michigan (BCBSM) has contracted with the DenteMax dental network to offer you a choice of over 1,800 Michigan dentists. When you receive services from a DenteMax network dentist, you will usually have the lowest out-of-pocket costs because your copays are based on a discounted amount. DenteMax dentists also file all claims for you and will receive payment directly from BCBSM. You'll only be responsible for paying your copays and any fees for non-covered services. To find a DenteMax dentist near you, check out the DenteMax website at www.dentemax.com.

Blue Cross Blue Shield participating dentist

If your dentist participates with BCBSM, it means he or she accepts the normal BCBSM approved amount, plus any required deductible and copayment from you, as payment in full for covered services. Dentists participate with BCBSM on a voluntary "per claim" basis, so ask your dentist if he or she will participate with BCBSM for all of your claims. Because your out-of-pocket costs are limited to just a deductible and copays, this option offers you the next lowest out-of-pocket costs. Participating dentists will file your claims for you and receive payment directly from BCBSM. You'll only be responsible for paying your deductible, copays and any fees for non-covered services.

Nonparticipating dentist

If your dentist chooses not to participate with BCBSM, you are responsible for any difference between the BCBSM approved amount and your dentist's charges. This amount is in addition to your deductible and copay. You usually have the highest out-of-pocket costs with this option. Nonparticipating dentists will often file your claims for you, but the claim is submitted as "pay subscriber," which means you receive the payment directly from BCBSM. You are then responsible for sending the payment to the dentist, plus any balance above what BCBSM pays the dentist, and your deductible, copay and fees for non-covered services.