Dental Insurance Plans

Dependable and Affordable Dental Options for Individuals and Families

Did you know your dental health is linked to your overall health? Daily dental care and routine checkups can help you stay healthy. Blue Cross NC offers affordable dental plans in addition to great health care coverage.

 

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Are you looking for an Individual and Family Health, Medicare or Business plan?

Plan Information

Blue Cross NC offers two dental plans to fit your budget and dental care needs. You can see what is covered for preventive, basic, and major services in the What’s Covered section below.

Dental Blue for Individuals PPO: Preventive Plan

Get routine dental care at our lowest rate*:


 

$22.95

Per Member, Per Month regardless of age


We pay 100% of in-network preventive care services with no deductible and 100% of the allowed amount on out-of-network preventive care services after $20 copay1

No deductible on in-network preventive care services

You pay no more than 70% of the total bill for basic services – like routine fillings – when seeing an in-network dentist

You pay no more than 70% of the total bill for major services – like oral surgery or dentures - when seeing an in-network dentist

On out-of-network basic and major services, you pay a $250 deductible and most of the cost, including amounts above the allowed amount1


Visit an in-network dentist for better benefits, and you won't have to file your own claims or pay for charges over the allowed amount.

Find an In-Network Dentist

*The PPO plan will pay a higher benefit in-network

*You may owe amounts above the allowed amount on out-of-network services

Dental Blue for Individuals: Core Plan

Get broad dental coverage at an affordable rate*:


 

$37.88

Per Member, Per Month under 65 years old

$44.79

Per Member, Per Month 65 years or older


We pay 100% of the allowed amount in-network and out-of-network preventive care services with no deductible1

$75 deductible on basic and major services

You pay 30% of the allowed amount for basic services – like routine fillings – once you meet your $75 deductible

You pay 50% of the allowed amount for major services – like surgeries or dentures – once you meet your $75 deductible

You pay the same percentage in and out-of-network, but you may owe on costs above the allowed amount out-of-network1


Visit any dentist you want, but visiting an in-network dentist means you won’t have to file your own claims or pay for charges over the allowed amount.

Find an In-Network Dentist

*Plan pays the same benefit percentage in- and out-of-network

*You may owe amounts above the allowed amount on out-of-network services

What's covered?

Preventive

Dental Blue for Individuals PPO: Preventive Plan

  • Routine dental exams (twice per year)
  • Cleanings (twice per year)
  • Panoramic and bitewing x-rays
  • Fluoride treatments (up to age 18)
  • Sealants (ages 6-15)
  • Palliative emergency treatment

Dental Blue for Individuals: Core Plan

  • Routine & problem focused dental exams (twice per year)
  • Cleanings (twice per year)
  • Panoramic, full-mouth and bitewing x-rays
  • Fluoride treatments (up to age 18)
  • Sealants (ages 6-15)
  • Space maintainers
  • Pulp testing
  • Palliative emergency treatment

Basic

Dental Blue for Individuals PPO: Preventive Plan

  • Routine fillings
  • Simple extractions
  • Stainless steel crowns
  • Pulp testing
  • Space maintainers (for members under the age of 16)
  • Problem-focused dental exams (twice a year)
  • Full-mouth x-rays

Dental Blue for Individuals: Core Plan

  • Routine fillings
  • Simple extractions
  • Stainless steel crowns

Major

  • Gingival curettage
  • Gingivectomy and gingivoplasty
  • Periodontal maintenance
  • Inlays/onlays 
  • Porcelain crowns
  • Dentures 
  • Bridges
  • Oral surgery
  • Endodontics

Deductible for basic and major services

Dental Blue for Individuals PPO: Preventive Plan

  • $0 for in-network services
  • $250 for out-of-network services

 

Dental Blue for Individuals: Core Plan

  • $75 for in and out-of-network services

Annual Maximum - amounts that Blue Cross NC pays for preventive, basic and major services apply to the Annual Maximum

Dental Blue for Individuals PPO: Preventive Plan

  • $50003

Dental Blue for Individuals: Core Plan

  • $10003

Waiting Periods2

Blue Cross NC has waiting periods for some dental services.

Dental Blue for Individuals PPO: Preventive Plan:

  • No waiting period on any services 

Dental Blue for Individuals: Core Plan 

  • Preventive Services: No waiting period
  • Basic Services: 6-month waiting period
  • Major Services: 12-month waiting period

Start Shopping 

It's easy to apply for a dental insurance plan online.

  1. Click Apply Now below
  2. Enter some information about yourself
  3. Submit your application

Apply Now

Already shopping for a Blue Cross NC health plan? Add a dental plan to your health plan application before submitting. 

Need more help?

  1. Read our Frequently Asked Questions below
  2. Call us at 1-800-324-4973, Monday - Friday, 8 a.m. - 5 p.m.

Benefits of Buying a Blue Cross NC Plan


Plans are available in all 100 North Carolina counties

Checkups and cleanings are covered twice per benefit period

You can see any licensed dentist in North Carolina

There's no deductible for preventive care like routine checkups and cleanings1

Choose the plan that best meets your needs

 

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How it Works


Using your dental insurance couldn't be easier:

Choose a licensed dentist practicing in North Carolina

Make an appointment

Show your Blue Cross NC member ID card at the dentist's office

 



Though most dentist offices will file a claim for you, if they don't offer that service, you will need to file the claim. 

 

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Frequently Asked Questions

All applicants (both under and over 65) and their dependents (spouses, domestic partners, and/or children under the age of 26) are eligible. Applicants must also be a resident of North Carolina and must have not had a Dental Blue for Individuals policy in the last 12 months.

Dependents can be added within 60 days of a qualifying life event such as marriage, divorce, a newborn within 60 days of their first birthday, adoption or court order.

Yes, you may apply for dental coverage that covers your child only.

Reapplying for coverage isn't permitted for 12 months from your policy's termination date.

You may experience a change in your monthly premiums at the time of your annual renewal (January 1 of each year), or when you add or remove dependents.

Your initial payment can be made by credit card or bank draft. Subsequent monthly premium payments can be set up for credit card, bank draft or direct bill.

Participating providers will file the claim on your behalf. If your dentist office does not file claims, you should pay the dentist in full and submit your claim to Blue Cross NC for reimbursement. Complete a dental claim form and mail it to us within 180 days from the date of your service.

Download dental claim form

 

Mail the completed claim form to:

Blue Cross and Blue Shield of North Carolina
Dental Claims Unit
P.O. Box 2100
Winston-Salem, NC 27102-2100

Yes, Blue Cross NC may waive or reduce any applicable dental waiting period by the number of month of prior dental coverage. Proof of prior dental coverage with less than 63 days lapse in coverage is required.

You must have had full coverage for preventive, basic and major services. Preventive only, Discount Only or Dental Savings Plans do not count as full coverage for prior credit. The DBFI PPO Preventive plan offers a benefit for preventive, basic and major services, therefore members who enroll in the DBFI PPO Preventive plan will earn coverage credit.

 

You can only change your dental plan after a qualifying life event, like marriage or birth of a child, or during open enrollment.

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