Evaluating Blue Cross Blue Shield Dental Insurance Options in Oklahoma

Oral health is a key component of overall wellbeing. Having dental insurance makes it easier to access regular preventive care and cover costs should any major dental work arise. Blue Cross Blue Shield of Oklahoma (BCBSOK) offers dental insurance options for individuals, families, Medicare enrollees, and employer groups across the state. This guide examines BCBSOK’s dental plans to help Oklahoma residents understand the coverage, costs, and other specifics.

Types of BCBSOK Dental Plans in Oklahoma

BCBSOK provides the following main dental insurance offerings to Oklahoma residents

• Individual and Family Plans – Standalone or integrated dental options for individuals and families buying their own health insurance. Available both on and off the federal exchange.

• Medicare Advantage Plans – Several Medicare Advantage plans from BCBSOK bundle dental benefits alongside medical coverage.

• Group Plans – Employer-sponsored dental insurance as part of benefits package for companies based in Oklahoma.

Within these categories are PPO and HMO dental plans with differing provider networks, out-of-pocket costs, and flexibility. PPOs offer more choice of dentist while HMOs require selecting a primary dentist within network.

Dental Services Covered

BCBSOK dental plans generally cover a comprehensive range of services with a mix of copays and coinsurance after deductible Here are some of the most common services included

• Preventive cleanings and oral exams
• X-rays
• Fillings
• Tooth extractions
• Root canals
• Dentures and bridges
• Crowns and tooth implants
• Orthodontia (often limited)
• Emergency dental treatment

Review plan details carefully as coverage can vary. Waiting periods for major services may apply.

Expected Costs and Savings

The exact cost of BCBSOK dental insurance depends on the plan type, level of coverage, and number of enrollees. However, some average statewide benchmark costs for 2023 include:

• Individual Plans – $30 to $60 per month for single coverage with an annual limit around $1,000. Family plans run $100 to $150 monthly.

• Medicare Advantage – $12 to $25 added premium for dental coverage including preventive services, generally subject to copays.

• Group Plans – Employer premiums vary based on plan selected. Employees may pay $10 to $50 monthly depending on extent of employer contribution.

Benefits often include 30-50% savings on common dental procedures thanks to negotiated rates with network dentists. This can yield significant savings compared to paying out-of-pocket.

Provider Network Coverage in Oklahoma

BCBSOK contracts with dentists across Oklahoma to provide in-network coverage. This includes:

• General dentists – For cleanings, x-rays, fillings, extractions, and other routine care.

• Specialists – Such as orthodontists, endodontists, periodontists, oral surgeons, and pediatric dentists.

• Dental chains – Like Aspen Dental, Comfort Dental, Great Expressions Dental, and Heartland Dental.

Members have broad access to dentists, with over 4,200 unique dentists available statewide. BCBSOK has the largest dental network in Oklahoma.

Those with PPO plans can visit any in-network dentist without a referral. HMO enrollees must select a primary dentist to coordinate specialty referrals. Verify provider participation before obtaining services.

Why Choose BCBSOK for Dental Insurance?

There are several reasons to consider BCBSOK for dental coverage as an Oklahoma resident:

• Established reputation – BCBSOK has served Oklahomans for over 75 years.

• Local expertise – Headquartered in Tulsa, BCBSOK understands Oklahoma’s dental landscape.

• Large dental network – Extensive provider network with many choices and convenient access.

• Customer support – Oklahoma-based customer service and local agent assistance.

• Coordination of benefits – Ability to integrate dental with BCBSOK medical plans.

• Group plan options – Dental insurance for Oklahoma-based employer groups.

• Medicare offerings – Dental coverage specifically designed for Medicare enrollees.

For those seeking dental insurance in Oklahoma, BCBSOK offers a competitive choice with localized advantages.

Enrolling in a BCBSOK Dental Plan

When ready to enroll, Oklahoma residents can sign up for BCBSOK dental insurance through:

• The federal ACA exchange – For individual and family plans during open enrollment or a special enrollment period.

• Directly through BCBSOK – By contacting a local agent or customer service line year-round.

• Medicare.gov – To enroll in a Medicare Advantage plan during applicable election periods.

• Their employer – For company group dental plans available during open enrollment.

Compare all options to find the best dental solution for your health and budget. With proper dental insurance through BCBSOK, Oklahoma residents gain great coverage plus savings on dental care costs.