Dental coverage you can smile about.

Dental Insurance

You want to take care of your smile, and Dakota Heritage Bank wants to help you do that. That's why we offer a dental plan through Blue Cross Blue Shield of North Dakota.

Find a dentist in our network.

You may choose any licensed dentist for services. However, out-of-pocket expenses will vary depending upon whether or not the dentist is in-network. If you select a participating dentist, it may limit out-of-pocket costs.

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Your Deductible

You are responsible for the total cost of your care until you hit this amount during your plan year. Regardless of whether the service was in or out of network, those dollars go towards satisfying your deductible when you spend money on covered expenses. Even if you've enrolled as a family, each person only needs to meet the per person deductible amount. See below for your deductible amount based on your family size:

For an individual

$50 per benefit period

For one parent and one child

$100 per benefit period

For one parent and multiple children

$100 per benefit period

For two adults

$100 per benefit period

For the whole family

$100 per benefit period

Benefit Maximums

Travel

Your benefit maximum is the most your plan will spend on dental expenses per person, per plan year. 

Regardless of whether the service was in- or out-of-network, when your plan spends money on covered expenses, those dollars go toward your annual benefit limit. The maximums for your plan is $1,000 per member per benefit period.

Visiting your Dentist

How much you’ll pay for an appointment in-network.

80% for preventive care

Cleanings, exams, x-rays, sealants, and other basic services.

80% for restorations and fillings, 50% for all other repairs. Restorative Services

Fillings, crowns, repairs, and other services.

For more benefits details and coverage information, view your BlueDental Classic 50 1000 benefit summary.

Frequently asked questions

You will be responsible for the full cost of your care until you hit your deductible.

You may choose any licensed dentist, but an in-network dentist will be able to provide coverage at a lower out-of-pocket cost to you.

Cleanings, exams, x-rays, sealants, and other services. Note that there may be limits to how many times you can receive these services in a plan year..

Co-Insurance is the amount that you need to pay for dental services after you meet your plan’s deductible, but before you hit your out-of-pocket limit. For example, if a procedure is covered by your plan at 25% coinsurance, your plan pays 75% of the cost, and you pay the 25% coinsurance.

A Co-Pay is a flat fee used to pay for certain dental costs, like prescriptions and some preventative care procedures.