Dental Insurance Plans

Dependable, Affordable and Comprehensive Dental Coverage for Individuals and Families

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

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 articles, find 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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  • Dental Blue for Individuals is not part of the covered health insurance benefits of any Blue Cross NC plans. Dental Blue for Individuals must be purchased separately.

    Limitations and Exclusions - Dental Blue for Individuals

    Your dental benefit plan does not cover services, supplies, drugs or charges that are:

    1. Not clinically necessary
    2. Hospitalization for any dental procedure
    3. Dental procedures performed solely for cosmetic or aesthetic reasons, except when dental procedures are performed in order to restore normal function to minor children with congenital defects and anomalies
    4. Dental procedure not directly associated with dental disease
    5. Procedures not performed in a dental setting
    6. Procedures that are considered to be experimental, including pharmacological regimens not accepted by the American Dental Association (ADA) Council on Dental Therapeutics
    7. Placement of dental implants, implant-supported abutments and prostheses. This includes pharmacological regimens and restorative materials
    8. Drugs or medications, obtainable with or without a prescription, unless they are dispensed and utilized in the dental office during the patient visit
    9. Setting of facial bony fractures and any treatment associated with the dislocation of facial skeletal hard tissue
    10. Treatment of malignant or benign neoplasm's, cysts, or other pathology, except excisional removal. Treatment of congenital malformations of hard or soft tissue, excluding excision. Hard or soft tissue biopsies of neoplasm's, cysts, or soft tissue growths of unknown cellular make-up are not excluded
    11. Replacement of complete or partial dentures, fixed bridgework, or crowns within 8 years of initial or supplemental placement. This includes retainers, habit appliances, and any fixed or removable interceptive orthodontic appliances
    12. Services related to the temporomandibular joint (TMJ), either bilateral or unilateral
    13. Expenses for dental procedures begun prior to the member’s eligibility with BCBSNC
    14. Fixed or removable prosthodontic restoration procedures for complete oral rehabilitation or reconstruction
    15. Attachments to conventional removable prostheses or fixed bridgework, including semi-precision or precision attachments associated with partial dentures, crown or bridge abutments, full or partial over dentures, any internal attachment associated with an implant prosthesis, and any elective endocentric procedure related to a tooth or root involved in the construction of a prosthesis of this nature
    16. Procedures related to the reconstruction of a patient’s correct vertical dimension of occlusion (VDO)
    17. Denture relines for complete or partial conventional dentures are not covered for six months following the insertion of a prosthesis. Tissue conditioning and soft and hard relines for immediate full and partial dentures are not covered for six months after insertion of the full or partial denture. After this specified period, relines are covered once every 12 months.
    18. One hard tissue periodontal surgery and one soft tissue periodontal surgery per surgical area are covered within a three-year period. This includes gingivectomy, gingivoplasty, gingival curettage (with or without a flap procedure), osseous surgery, pedicel grafts, and free soft tissue grafts
    19. Osseous grafts, with or without resorbable or non-resorbable GTR membrane placement, are covered once every 36 months per quadrant or surgical site
    20. Clinical situations that can be effectively treated by a more cost-effective, clinically acceptable alternative procedure will be assigned a benefit based on the less costly procedure
    21. Services for incision and drainage if the involved abscessed tooth is removed on the same date of service
    22. Full mouth debridement is limited to once every 5 years
    23. Occlusal guards for any purpose other than control of habitual grinding
    24. Placement of fixed bridgework solely for the purpose of achieving periodontal stability
    25. Orthodontic services

     

    Guaranteed Renewability: This policy is guaranteed renewable and may not be canceled or non-renewed for any reason other than your failure to pay premiums or misstatements in or omissions of information from your application. Any change in your rate will be preceded by a 30-day notice and is guaranteed for 12 months.

     

  • 1.

    Based on allowed amounts as determined by Blue Cross NC. An allowed amount may be less than the provider's actual charge. You are responsible for charges above the allowed amount, in addition to any deductible and coinsurance applied.

  • 2.

    Waiting periods can be reduced by the number of months of prior coverage.

  • 3.

    Based on allowed amount. Annual maximum that Blue Cross NC pays on all services is $1,000 (includes diagnostic and preventive, basic and major services) per benefit period.

  • 4.

    Guaranteed Renewability - This policy is guaranteed renewable and may not be canceled or non-renewed for any reason other than your failure to pay premiums or misstatements in or omissions of information from your application. Any change in your rate will be preceded by a 30-day notice and is guaranteed for 12 months.