Traditional Indemnity Dental (Maryland)

CareFirst BlueCross BlueShield (CareFirst) Traditional Indemnity Dental (Maryland) offers a range of dental coverage with the freedom to select any dental provider for care. Members will have the lowest out-of-pocket cost by using a participating dental provider.

Advantages:

• Network of participating dental providers throughout the Maryland region
• Dental coverage includes:
  • Preventive care such as cleanings and X-rays
  • Basic services such as fillings and extractions
  • Major surgical services including oral surgery and root canal therapy
  • Major restorative services including dentures and fixed bridges and crowns
• Members are only responsible for deductibles and coinsurance when using a participating dental provider
• Participating dental providers accept CareFirst’s allowed benefit as payment in full for covered services
• No claim forms to file when visiting a participating dental provider
• Nationwide emergency coverage

Additional Features:

• Orthodontia coverage – An optional orthodontia benefit is available for groups with two or more employees
• Out-of-network care – Members have the option of seeing any dentist and still receive coverage. However, they may have to file their own claim forms and pay higher out-of-pocket costs

How to Access Care:

1. When Using Participating Dental Providers:

• Members can locate a participating dental provider by reviewing the Traditional/Indemnity Network (Maryland) in the Find a Doctor section of www.carefirst.com, or referring to the printed directory.
• The CareFirst member ID card is shown a participating dental provider at time of service.
• There are no claim forms to file and no balance billing; members are only responsible for deductibles and coinsurance.

2. When Using Non-Participating Dental Providers:

• If members visit a dental provider who does not participate with CareFirst, they may be subject to higher out-of-pocket costs and be balance billed up to the provider's charges. They will also need to file their own claim forms.