Dental Plan

Dental Benefits Summaries

The Auto Trust provides dental insurance coverage through Blue Cross Blue Shield

Enrolling in a Dental Plan

Dental insurance is offered through Blue Cross Blue Shield of Michigan.  This plan provides  nationwide coverage and has both in and out of network coverage for plan participants.  If you qualify for HCTC benefits, and you enroll in the Gold, Silver or Bronze Bundled Plans, your dental and vision coverage is already included.  HCTC plan participants will pay 27.5% of the cost of their healthcare plans as long as the plans are priced as one cost( bundled).  You also have the option of selecting the plan as a standalone plan paying 100% of the cost for you and your family members of all ages, including those members of your family on Medicare.  There will be an admin fee of $4.25 of you and/or your family members select the dental coverage as a standalone plan. 

To enroll in a dental plan only, you will need to complete, sign and date the enrollment form and return it to the Benistar Retiree Service Center. 

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Network Access information

With Blue Dental PPO Plus, members can choose any licensed dentist anywhere . However, they'll save the most money when they choose a dentist who is a member of the Blue Dental PPO network.

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 Blue Dental PPO network- Blue Dental members have unmatched access to  PPO dentists through the Blue Dental PPO network, which offers more than 260,000 dentist locations nationwide.  PPO dentists agree to accept our approved  amount as full payment for covered services -  members pay only their applicable coinsurance and deductible amounts. Members also receive discounts on noncovered services when they use PPO dentists  (in states where permitted by law). To find a PPO dentist  near you, please visit  www.mibluedentist.com  or call

1-888-826-8152.

1  Blue Dental uses the Dental Network of America (DNoA) Preferred Network for its dental plans.

2  A dentist location is any place a member can see a dentist to receive high-quality dental care. For example, one dentist practicing in two offices would be two dentist  locations.

Blue Par SelectSM arrangement-  Most non-PPO dentists accept our Blue Par Select arrangement, which means they  participate with the Blues on a "per claim" basis. Members should ask their dentists  if they participate with BCBSM before every treatment.  Blue Par Select dentists accept our approved amount as full payment for covered services - members pay only applicable coinsurance and deductibles . To find a dentist who may participate with  BCBSM, please visit www.mibluedentist.com.

 Note: Members who  go to nonparticipating  dentists are responsible for any difference between our approved amount and the dentist's charge.

If you purchase dental and vision ONLY, there is no 72.5% subsidy available.  The plans offered here are the same plans available through the Gold, Silver, Bronze or Copper plans.  These 4 bundled medical, prescription drug, dental and vision provide you with the ability to receive the subsidy.