If you’re considering providing Blue Cross Blue Shield of Illinois dental insurance coverage for your employees, we’re here to help. We’ve shared answers to some of the most common questions small business owners have about dental coverage below. For more information, read our small business guide to dental insurance.
Blue Cross Blue Shield of Illinois offers PPO dental plans only.
No, you are not required to offer dental insurance in Illinois. However all BCBSIL health care plans include pediatric dental coverage. Standalone dental coverage for adults is also available through a dental insurance plan. To learn more call 833-923-1784.
Yes, we encourage small business employers to seek out comprehensive coverage options for their employees
Yes, although some services may be impacted by a waiting period.
Health insurance includes coverage for a wide range of medical care, from annual checkups to emergency procedures and ambulatory services. However, Blue Cross Blue Shield health care plans only include pediatric dental coverage. Separate from health insurance, Ddental insurance includes coverage for oral care services, such as regular check-ups, orthodontics, and oral surgery. Like health insurance, dental insurance includes networks, coinsurance, deductibles, and annual out-of-pocket maximums.
For more information, read our Small Business Dental Insurance Guide.
All BCBSIL health care plans include pediatric dental coverage. However, coverage for adults is only available through a separate dental insurance plan.
Combining health and dental coverage through BCBSIL streamlines the administration of both programs, helping you manage your overall benefit costs and provide comprehensive coverage to your small business employees. Employees with both BCBSIL health and dental plans have access to BlueCare Dental ConnectionSM, which includes educational information and outreach to help your employees make important decisions about their dental care.
Members who have health and dental insurance have experienced:
You can choose to offer a contributory or voluntary dental plan to your employees. If you choose a contributory dental plan, you must contribute at least 50% towards your employees’ dental insurance premiums. For voluntary plans, you are not required to contribute towards your employees’ premiums, but you have the option to contribute up to 49%.
Yes, you can purchase BCBSIL dental insurance without purchasing health insurance. You also can purchase disability and/or life insurance without health insurance.
