Looking for affordable Dental Insurance from HorizonBCBS Dental?
HorizonBlue Dental has recently updated their plan summaries to make it easier to understand the dental benefits.
Horizon Dental Summaries
Horizon Dental Option Plan
The Horizon Dental Option Plan offers a great way to save premium dollars without reducing benefits. Members have the freedom to receive dental services from any dentist. If you use a dentist who participates with the Horizon Dental Option Plan, you can maximize your benefits and save money. Discounts on participating dentists’ charges range between 10 and 30 percent. You have the option of selecting from over 115,000 participating dental offices nationwide. With any choice made there’s always a dental benefit and you are always covered for eligible services because of the plan’s out-of-network benefit.
Horizon PPO Dental Plan
In-Network
The Horizon Dental PPO Plan, a Preferred Provider Organization Plan, offers the lowest fees available to our customers through our Horizon Dental PPO Network of participating dentists. These dentists accept our reduced allowances as payment in full, less any applicable deductible and/or coinsurance.
Out-of-Network
With an out-of-network option, members may go to a nonparticipating dentist and may have to pay the dentist his/her usual fees in advance. Members must then file claims for reimbursement. Reimbursement is based on our reduced allowances, and members are responsible for any charges in excess of these amounts.
Horizon PPO Access
The Horizon Dental PPO Access Plan provides 100 percent coverage for the most frequently needed dental services when you visit a participating dentist.
In-Network
The plan covers frequently needed, eligible preventive and diagnostic services, such as exams, cleanings and X-rays, as well as selected basic services, such as amalgam (silver) fillings and space maintainers, at 100 percent. For eligible major or specialty services, such as root canals, crowns and bridges, you’ll pay only a reduced Horizon Dental PPO Plan allowance to participating dentists. There is no annual deductible, no annual maximum and no wait period for major services.
Out-of-Network
The plan allows you to use nonparticipating dentists for certain eligible preventive and diagnostic services, however you may have to pay for any charges above the Horizon Dental PPO Plan allowance, pay dentists at the time of service and submit claims for reimbursement. There is no out-of-network benefit for major or specialty services.
Horizon Dental Choice
Horizon Dental Choice saves your company money and increases employee satisfaction through its cost-effective design and comprehensive benefits.
No deductibles
No annual benefit maximums
No copayments for most eligible routine services
Low copayments for eligible major specialty services
Horizon Dental Choice is an HMO-type of coverage that features a strictly credentialed network of participating dentists. It’s a great addition to your benefits program, either in combination with another Horizon Blue Cross Blue Shield of New Jersey dental plan or as an alternative to your existing traditional program.
Horizon Dental Companion
The Horizon Dental Companion Plan is available only when combined with a Horizon Blue Cross Blue Shield of New Jersey medical plan.
In-Network
The plan covers frequently needed, eligible preventive and diagnostic services, such as exams, cleanings and X-rays, as well as selected basic services, such as amalgam (silver) fillings and space maintainers, at 100 percent. For eligible major or specialty services, such as root canals, crowns and bridges, members pay only a reduced Horizon Dental PPO Plan allowance to participating dentists. There is no annual deductible, no annual maximum and no wait period for major services.
Out-of-Network
The plan allows members to use nonparticipating dentists for certain eligible preventive and diagnostic services, however they may have to pay for any charges above the Horizon Dental PPO Plan allowance, pay dentists at the time of service and submit claims for reimbursement. There is no out-of-network benefit for major or speciality services. The Horizon Dental Companion Plan is available only when combined with a Horizon Blue Cross Blue Shield of New Jersey medical plan.
Please contact me for information on adding one of the Horizon Dental plans today. Horizon Dental Quote