Benefits Overview
- OHM Advisors offers a Blue Cross Blue Shield of Michigan (BCBSM) Traditional Plus Dental plan to employees.
- The plan is self-funded, meaning that claims are paid for by OHM Advisors and administered through BCBSM.
- With Blue Dental PPO, members can choose any licensed dentist anywhere. However, they’ll save the most money when they choose a dentist who is a member of the Blue Dental PPO network.
- Blue Dental members have unmatched access to PPO in-network dentists through the Blue Dental PPO network, which offers more than 535,000 dentist locations nationwide.
- PPO dentists agree to accept the BCBSM approved amount as full payment for covered services, and members pay only their applicable coinsurance and deductible amounts.
- Members also receive discounts on noncovered services when using PPO dentists (in states where permitted by law).
- To find a PPO dentist near you, please visit mibluedentist.com, or call 1-888-826-8152.
Dental Benefit Chart
BENEFITS | COVERAGE DEDUCTIBLE |
---|---|
Applies to Class II and Class III services only | $50 per member, limited to $150 per family member per calendar year |
COINSURANCE | Percentage of BCBSM’s approved amount |
Class I/Preventive Services | Member pays nothing, Plan pays 100% |
Class II/Basic Services | Member pays 20%, Plan pays 80% |
Class III/Major Services | Member pays 50%, Plan pays 50% |
Class IV/Orthodontic Services (children under age 19) | Member pays 50%, Plan pay 50% |
DOLLAR MAXIMUMS | |
Annual maximum for Class I, II, and III services | $1,500 per member |
Lifetime maximum for Class IV services | $1,500 per member |