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Citizens National Bank writes Personal Dental Insurance through BlueCross BlueShield of Tennessee. With a personal dental plan, you will enjoy low monthly premium - just $26.50 for each adult and $14.60 for dependents from ages 2 through 17.

Plan Features

  • Gain access to the largest dental PPO network in the state.
  • Choose any dentist you like, but save more by using a network dentist.
  • Keep in your budget with a low $50 calendar year deductible per person or $150 per family.
  • Enjoy an annual maximum of $1,000 per person once your deductible has been met.
  • Because BlueCross pays for services based on what's called a Maximum Allowable Charge (or MAC) fee schedule, your money is stretched even further.

Covered Dental Services

  • Diagnostic and preventive services
  • Restorative services
  • Major restorative services like crowns and onlays*
  • Endodontic services
  • Periodontic services*
  • Removable and fixed prosthetics*
  • Oral surgical services

*A 12-month waiting period applies to these services. Orthodontia services are not covered.

Limitations on Dental Services

  • Your coverage includes two exams in a 12-month period.
  • Your coverage includes two cleanings in a 12-month period.
  • You may have one complete and one panoramic X-ray in a 36-month period. Your coverage also includes two bitewings (X-rays) in a 12-month period.
  • Children may have one fluoride treatment in a 12-month period.

Exclusions on Dental Services

  • Cosmetic procedures
  • Dental implants
  • Orthodontic services
  • Mouth guards
  • Prescription drugs
  • Any service not listed in the schedule of benefits under Attachment C of the policy
  • Any portion of the charge that exceeds the Maximum Allowable Charge (MAC)

This is only a partial list. A complete list of coverage details, limitations and exclusions is included in the policy and can be requested from your agent or BlueCross sales representative.

Below is an example showing how much you may pay for a routine cleaning.

Network Dentist Non-Network Dentist
Dentist charges $60 Dentist charges $60
Because your dentist is part of our dental network, he or she agrees to write off $7 and only charge $52 for the cleaning (-$7) Because your dentist is not part of our dental network, he or she offers no discount. (-$0)
Blue Cross pays $48 (or the maximun allowable charge for an adult cleaning) (-$48) Blue Cross pays $48 (or the maximun allowable charge for an adult cleaning) (-$48)
You pay $5 You pay $12



Feel free to contact our Insurance Services Office with any questions at (423)649-2396



  • Not A Deposit
  • Not FDIC-Insured
  • Not Insured By Any Federal Government Agency
  • Not Guaranteed By The Bank [Or Savings Association]


Not A Deposit, Not FDIC-Insured, Not Insured By Any Federal Government Agency, Not Guaranteed By The Bank [Or Savings Association], Subject to Risk and May Lose Value : Securities offered through Raymond James Financial, Inc. Member FINRA/SIPC.
CNB • P.O. Box 220 • Athens, TN 37371-0220
Member FDIC. Equal Housing Lender   Privacy Policy
*required minimum deposit amounts for demand deposit accounts *check writing limits applicable to certain accounts *service charge/maintenance fee information.