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Reply to "Fed gov dental insurance"
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[quote=Anonymous]OP here. I see that BCBS Basic provides a cleaning and X-ray benefit for a $35 copay, but only for in-network dentists. There is no benefit for OON dentists. I’ve never considered my health insurance for dental coverage. With most dental insurances there is no co-pay for a basic cleaning, so using BCBS Basic for cleanings will cost $35x2x4=$280. Given that standard care dental insurance costs $900/year, you’re ahead by $620 using Basic. That leaves no room for using an OON dentist or much work to be done. Guess it really depends on your dentist taking BCBS Basic, otherwise the benefit is useless, unless you’re willing to change dentists. [/quote]
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