Dental Insurance

The Alachua County Library District offers 3 dental plan options through Florida Combined Life. The District pays 80% of the single rate for each plan. Dental insurance models are very different than health insurance models and should not be compared. Rarely do dental plans pay 100% of the expenses for dental care. Employees incur a larger share of the expenses.

Blue Dental Care (DHMO) PS220
  • Must choose a plan dentist to provide dental care
  • Focus is on preventative dental care
  • No pre-existing condition exclusion
  • No claim forms to file
  • No deductibles
  • No annual maximums
  • Listed dental codes have co-pays
  • Unlisted dental codes 25% discount
  • Adult and children orthodontia benefits
  • Can change dentists by calling member services
  • There is no out of network benefit

There are two PPO options - standard and high, the PPO plans allow you to receive benefits from any licensed dentist. Both the standard and the high option has a preferred network, but you may visit a dentist in or out of the network. The provider directory can be viewed at www.bcbsfl.com You, or your dentist, will file a claim form and be reimbursed for services according to a pre-determined percentage basis.

BlueDental Choice PPO - High Option

In Network reimbursement   

  • Preventative Services - 100% of allowed amount (no deductible)
  • Oral Exams, Cleanings, Bitewing x-rays
  • Basic Services - 85% of allowed amount
  • Extractions, Root Canals, Periodontal Scaling, etc.
  • Major Services - 55% of allowed amount
  • Crowns, Bridges, Dentures, etc.
  • In network dentists can not bill more than the allowed amount
  • $50 individual/$150 family deductible

Out of Network reimbursement

  • Preventative Services - 80% of allowed amount (no deductible)
  • Basic Services - 60% of allowed amount
  • Major Services - 40% of allowed amount
  • Out of network dentists can bill in excess of the allowed amount
  • $100 Individual/$300 Family annual deductible
  • Plan year maximum - $1,500 per covered person
  • Orthodontia benefit - Children to age 19
  • 12 month waiting period may apply to orthodontia
Blue Dental Choice PPO - Low Option

In Network reimbursement

  • Preventative Services - 100% of allowed amount (no deductible)
  • Oral Exams, Cleanings, Bitewing x-rays
  • Basic Services - 80% of allowed amount
  • Extractions, Amalgam Restorations (Silver Fillings), etc
  • Major Services - 50% of allowed amount
  • Crowns, Root Canals, Periodontal Scaling, Bridges, Dentures, etc.
  • In network dentists can not bill more than the allowed amount
  • $50 Individual/$150 Family annual deductible

Out of Network reimbursement

  • Preventative Services- 70% of allowed amount (no deductible)
  • Basic Services - 50% of allowed amount
  • Major Services - 30% of allowed amount
  • Out of network dentists can bill in excess of the allowed amount
  • $100 Individual/$300 Family annual deductible
  • Plan year maximum - $1,000 per covered person
  • No Orthodontia benefit
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