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

TRADITIONAL PLUS DENTAL PLAN

---

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 Farm Bureau’s Traditional Plus dental plan, you have the freedom to choose any licensed dentist. Network dentist or not — you’re covered. You have three options when selecting a dentist.

Blue Par Select℠ dentist

Blue Par Select dentists agree to participate on a per claim basis. So before each procedure, ask whether your dentist participates. Almost all dentists participate with the Blues under this arrangement.

Dental Network of America (DNoA) dentist

DNoA dentists always participate and give you discounts of 20 to 40 percent off usual charges and lower out-of-pocket costs than non-network dentists. Finding a DNoA dentist is easy. Our network has more than 4,300 dentist access points in Michigan and more than 185,300 dentist access points nationwide.

Blue Par Select and DNoA dentists will file all claims for you and receive payment directly from BCBSM. You’ll only be responsible for paying the dentist your deductible, coinsurance and any fees for non-covered services.

Nonparticipating dentist

You may visit nonparticipating dentists, but you may be charged for the difference between the BCBSM approved amount and the dentist’s charge. This amount is in addition to your deductible and coinsurance. You usually have the highest out-of-pocket costs with this option. Nonparticipating dentists will often file claims for you, but the claim is submitted as “pay subscriber,” which means you receive reimbursement directly from BCBSM. You are then responsible for paying the dentist.