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If you are an Individual or Family Member under age 65, please register here.

If you are an Medicare or Medicare Supplement member, please register here.

New Options for Affordable Health Insurance

Essential Dental sm

Essential Dental, priced up to 30% lower than our other dental products will pay benefits for preventive and basic care services. While Essential Dental does not cover major care services, such as crowns, bridgework, or dentures, it does give you affordable premiums and the coverage you need the most. Essential Dental utilizes our PPO network of contracting dentists.

In-Network

 Out-of-Network

Deductible

$25 or $50 per insured per calendar year

Annual Maximum

$1,000 per insured per calendar year*

Preventive Care*

100% of the
maximum allowance
(no deductible)

80% of the
maximum allowance***

Basic Care**

80% of the
maximum allowance***

60% of the
maximum allowance***

*Preventive care services do not apply to the annual maximum.
**Basic care services have a six-month waiting period.
***Deductible applies to all basic care services and out-of-network preventive care services.

Preventive Care Benefits
Essential Dental pays 100% of the maximum allowance in-network, and 80% of the maximum allowance out-of-network for routine dental care benefits. Available benefits include one oral exam every six months, x-rays, cleanings and fluoride treatments. Certain benefits are only available to dependent children with age maximums. In-network preventive care services are not subject to your deductible.

Basic Care Benefits
Basic care benefits cover frequently used services such as treatment-related sealants for certain teeth, fillings and pin retentions, simple extractions, oral surgery, root canal therapy, and periodontal maintenance. After the six-month waiting period and the calendar year deductible is met, Essential Dental pays 80% of the maximum allowance in-network and 60% of the maximum allowance out-of-network for basic care services.

For more information on group dental plans click here. You can also contact your insurance agent or your local Blue Cross of Idaho district office for more information.

This outline is a brief description of the coverage issued to the group. This is NOT a contract. The policy describes in detail the rights and obligations of both the group and Blue Cross of Idaho under the group policy. It is important that you read the policy carefully. The benefits of the policy are governed primarily by Idaho law.