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A deductible is a fixed amount you
must pay toward covered dental services each year before benefits are payable
by the dental plan. Deductibles run on a calendar year from January 1 -
December 31. Farm Bureau's member dental plan requires an annual deductible of
$50 per person or $100 per family.
Coinsurance is a percentage you must pay for covered services once your
deductible is met. Dental procedures are divided into types of service or
classes. The amount the Blues pays is determined by the class of service. For
all classes of service, you are required to pay a coinsurance. Your
coinsurances are 25% for Class 1 (preventive) services and 50% for Class 2
(Restorative) and 3 (Constructive) services, and are based on the BCBS approved
The maximum dollar
amount your dental plan will pay out in benefits over the course of a calendar
year. Dental benefits are subject to the $1,200 annual benefit maximum for
combined Class 1, 2 and 3 services per member.
Class 1 preventive services will be covered
from your paid effective date forward. There is a six-month waiting period from
your effective date of coverage for Class 2 and 3 major services. After you've
been on the dental plan for six months, you'll be eligible for Class 2 and 3
Class 2 services include fillings, inlays, onlays, root
canals, periodontal scaling and planing, and extractions. Class 3 services
include dentals, partials and bridges. Orthodontics (braces) are not