Dental Insurance Plans

Dependable, Affordable and Comprehensive Dental Coverage for Individuals and Families

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

Major services like crowns, dentures and bridges are covered1

 

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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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What's Covered


Covered Services Your Cost

Preventive 

  • Routine dental checkups
  • Dental cleanings
  • Bitewing X-rays
  • Pulp testing
  • Fluoride treatments (for members up to the age of 18)
  • Palliative emergency treatment
  • Emergency oral examinations
  • Sealants (for members ages 6-15)
  • Space maintainers (for members under the age of 16)
  • You pay nothing for checkups and cleanings twice per benefit period.
  • There's no deductible and no waiting period for preventive services.2

Basic 

  • Routine fillings
  • Simple extractions
  • Stainless steel crowns
  • You pay 30% after your deductible for basic services.
  • There's a six-month waiting period for basic services.2

Major 

  • Gingival curettage
  • Gingivectomy and gingivoplasty
  • Periodontal maintenance
  • Inlays/onlays 
  • Porcelain crowns
  • Dentures 
  • Bridges
  • Oral surgery
  • Endodontics
  • You pay 50% after your deductible for major services.
  • There's a 12-month waiting period for major services.2

Deductible for basic and major services

$75

Annual maximum limit for all services

$10003

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Dental Care Resource Center

The American Dental Association (ADA) has the tools you need to get a healthy smile. Visit the ADA's website to read helpful articlesfind tips for good dental health, check for symptoms or get answers to common questions.

Use our Find a Dentist tool to find a Blue Cross NC in-network dentist near you.

Note: Not all ADA Member Dentists are part of Blue Cross NC's dental network.

 

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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

Need more help?

  1. Read our Frequently Asked Questions below
  2. Call us at 1-888-280-2683, Monday - Friday, 8 a.m. - 5 p.m.

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 30 days of a qualifying life event such as marriage, divorce, a newborn within 30 days of their first birthday, adoption or court order.4

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.4

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 your dental waiting period by the number of months of prior dental coverage. Proof of prior dental coverage with less than 63 days lapse in coverage is required.

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