Dental insurance is an important piece of the health insurance puzzle. Perhaps you can't get dental coverage through your job, or your current benefits package provides you with no dental insurance coverage.

Anthem Blue Cross and Blue Shield of Virginia now offers Individual Dental, a comprehensive dental plan that provides preventive, restorative and complex dental benefits, and gives you the option of using a cost-saving network of dental providers.

Whether you’re self-employed, can’t get dental coverage through your employer, retired, or would like dental benefits in addition to your Anthem Medicare Supplement, Anthem's Individual Dental plan will give you something to smile about! Read the following dental insurance details and then click the sign up button at the bottom of the page to sign up for the Anthem Individual Dental Plan.

Important Facts:

Before you review the benefits, here are some important facts you should know.

Anthem provides a network of participating dental providers to help you save on the cost of dental care. Visiting a network dentist will help you make the most of your benefits, because your share of the cost increases when you visit a non-participating dentist.

For example, non-participating dentists may not accept our reimbursement as payment in full. Therefore, you may be responsible for the balance of the bill for any service. In addition, with preventive care, diagnostic and radiographic services, you’ll have a higher coinsurance amount when you visit a non-participating dentist, and with restorative and complex
services, you’ll have a separate, higher deductible. To locate a local Anthem network dentist near you, click  Find a Doctor and select "Find a Dental Provider".

Some services require a deductible. A deductible is the amount you pay toward covered services each year before receiving benefits. Anthem’s Individual Dental Plan has a “family deductible” that saves you money when you have more than three family members covered on your plan. Once amounts counted toward individual deductibles equal the family deductible, (3 times the individual deductible), we consider all other deductibles met for the rest of the year.

• Restorative and Complex services require a coinsurance amount, a percentage you pay after the deductible. Preventive, diagnostic and radiographic care received from a non-participating provider also requires a coinsurance.
  
• Restorative and Complex services require a waiting period before benefits begin, even if you’re coming from prior dental coverage. You will not receive credit toward your waiting period for any time you were covered under another dental plan.
  

Individual Dental Benefits:

• No Health Underwriting! You can enroll in this plan regardless of your health – there are no medical questions to answer.
  
• Save Money with Our Network of Dentists– or Pick the Dentist You Want! To get the highest level of benefits, choose from Anthem's network of participating dentists. Of course, you’re also free to choose a dental provider outside of Anthem's network, but the cost may be greater.
  
• Preventive Benefits are Covered in Full! When you visit an Anthem network dentist, you have no deductible or coinsurance to pay for any covered preventive or diagnostic service.
  
• It’s Convenient! When you visit an Anthem network dentist, there’s virtually NO paperwork! Your claims are automatically filed for you, in most cases (note that this feature is not guaranteed for all). To reduce your paperwork even more, you can take advantage of our automatic bank draft service, and have your premium drafted from your bank account monthly. Or, you can choose another payment method – Anthem offers quarterly, semi-annual and annual billing.
  
• Best of All, Anthem Individual Dental is available exclusively from Virginia’s largest health insurer, Anthem Blue Cross and Blue Shield.
  

Monthly Premiums:

These are the current monthly rates per person:

   

With a child-only policy, the first child enrolled without an adult is charged the same as an adult under 50. Plus one time $25.00 application fee.

Preventive Dental Benefits:

Preventive, diagnostic and radiographic benefits do not require a deductible or a waiting period. And when you visit an Anthem network dentist, Anthem covers these benefits at 100% of the allowable charge – your coinsurance is 0%. Anthem covers 50% of the allowable charge when you visit a dentist outside the Anthem network.

Anthem Individual Dental has an annual maximum benefit of $1,000 per covered person every calendar year the policy is in effect. This applies to preventive, restorative and complex benefits.

Restorative and Complex Benefits:

Restorative and complex services have waiting periods before services are covered. You pay a $50 annual deductible with an in-network dentist, and a separate $100 annual deductible when you go out-of-network.

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This is not a full listing of benefits. For a complete list, please contact us.

Notice: Certain Limitiations Apply.