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Campus Box 8107
Pocatello, ID 83209-8107
Phone (208) 282-2517
Fax (208) 282-4976
Email: hr@isu.edu

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Benefits: Insurance: Dental Coverage

Declining Dependent Dental
Dental Benefits

Filing Claims
Selecting a Dentist
Summary of Dental Benefits

Dental Benefits

The State offers dental benefits through Blue Cross of Idaho to eligible employees and their family members. Participation in the plan is automatic for anyone enrolled in one of the State's medical plans. Note: Dental is available only if you participate in a State employee medical plan -- you can't elect dental coverage without electing medical insurance.

For details about the plan, including limitations, exclusions and waiting periods, see the plan contract.

Selecting a Dentist
With this plan, you can use any licensed dentist for covered expenses but it is to your advantage to use a participating Blue Cross of Idaho dentist whenever you can.

  • BC of Idaho Participating dentists have agreed to provide services to plan participants at a set schedule of negotiated fees. This means network participating dentists will accept plan benefits plus your share of costs (deductible and coinsurance) as payment in full.
  • Non-Participating dentists are not limited in how much they may charge. For these dentists, the plan pays covered costs based on BC of Idaho's average fee. If a non-participating dentist happens to charge more than the average fee, you have to pay the extra in addition to any amounts you may owe for the deductible and coinsurance.

To find Participating BC of Idaho Providers, please contact Blue Cross of Idaho, 1-866-804-2253 or go on-line at www.bcidaho.com Go to "Find a Provider" then "Dental", then "PPO"

Summary Blue Cross of Idaho Benefits

BC of Idaho Benefits
(Effective July 1, 2009)

Premier Provider

PPO Provider

Annual Deductible $25 per person $25 per person*
Annual Maximum Benefit $1,000 per person, not including orthodontic benefits $1,000 per person, not including orthodontic benefits
Diagnostic and Preventative Services - exams and cleanings (once every six months); x-rays 70% of allowable charges 80% of allowable charges
Basic Restorative Services (fillings and repairs) 70% of allowable charges 80% of allowable charges
Oral Surgery, Periodontics, Endodontics (root canals) 50% of allowable charges 80% of allowable charges
Major Restorative Services (crowns, dentures, bridges) 50% of allowable charges (after 1 year waiting period) 50% of allowable charges (after 1 year waiting period)
Orthodontia-Limited to dependents 17 and under 50% of allowable charges up to $1,000 lifetime maximum per child (after 1 year waiting period) 50% of allowable charges up to $1,000 lifetime maximum per child (after 1 year waiting period)

*Deductible is not required for PPO diagnostic and preventative services.

Declining Dependent Dental

As an employee, if you elect medical coverage you're required to take dental. But you can decline dental coverage for your dependents anytime you want.

Once you have declined dental coverage for your dependents, you may only add it during an open enrollment period.

Filing Claims

Soon after you complete initial enrollment, BC of Idaho will send you a member identification card. When you use a participating dentist, your provider will use the information on your identification card to bill the plan directly and you won't have to make a claim.

If you use a non-participating dentist, you may have to make a claim for reimbursement. If so, submit a detailed invoice from your provider along with your name, employer's name, and subscriber identification number to:

Blue Cross of Idaho
P.O. Box 7408
Boise, ID 83707