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.
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.
The prices you see below are for in-network services only. Out-of-network dentists may cost you more money. You might pay more out-of-pocket for the same services from an out-of-network dentist.1
Dental Blue for Individuals PPO: Preventive Plan
Get routine dental care at our lowest rate*:
$23.86
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 copay2
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 amount2
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.
*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*:
$35.95
Per Member, Per Month under 65 years old
$44.35
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 deductible2
$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-network2
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.
*Plan pays the same benefit percentage in- and out-of-network
*You may owe amounts above the allowed amount on out-of-network services
Learn more about these options in our Dental Plan Brochure.
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 Periods3
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.
- Click Apply Now below
- Enter some information about yourself
- Submit your application
Already shopping for a Blue Cross NC health plan? Add a dental plan to your health plan application before submitting.
Need more help?
- Read our Frequently Asked Questions below
- Call us at 1-800-324-4973, Monday - Friday, 8 a.m. - 5 p.m.
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.