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Dental Plans

Compare dental plans

See which of our three individual and family plans offer the dental coverage, services and benefits you need.

Dental Blue for Individuals

Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers three Dental Blue® for Individuals℠ plans.

 

 

Under 65

 Preventive PPOValue 1500Core 1000
OverviewCovers preventive services and offers savings on basic and major services with better benefits for in-network services.Covers preventive, basic and major services with better benefits for in-network services.Covers preventive, basic and major services with the same benefit level whether you see an in-network or out-of-network dentist.
Cost per member, per month$23.861$35.951$37.451
In-network deductible, basic and major services$0$50$75
Out-of-network deductible, basic and major services$250$100$75
Annual maximum$5,0002$1,5003$1,0003
Preventive services in-network0%40%40%4
Preventive services out-of-network10% coinsurance430% of the allowed amount4 
Basic services in-networkUp to 70% of the total bill20% coinsurance30% coinsurance
Major services in-networkUp to 70% of the total bill50% coinsurance50% coinsurance
Major services out-of-network95% of the provider's allowed amount450% coinsurance450% coinsurance5
Preventive services waiting periodNo waiting period6No waiting periodNo waiting period
Basic services waiting periodNo waiting period66 months6 months
Major services waiting periodNo waiting period612 months612 months6

65 or older

 Preventive PPOValue 1500Core 1000
OverviewCovers preventive services and offers savings on basic and major services with better benefits for in-network services.Covers preventive, basic and major services with better benefits for in-network services.Covers preventive, basic and major services with the same benefit level whether you see an in-network or out-of-network dentist.
Cost per member, per month$23.861$44.351$45.851
In-network deductible, basic and major services$0$50$75
Out-of-network deductible, basic and major services$250$100$75
Annual maximum$5,0002$1,5003$1,0003
Preventive services in-network0%40%40%4
Preventive services out-of-network10% coinsurance430% of the allowed amount40%4
Basic services in-networkUp to 70% of the total bill20% coinsurance30% coinsurance
Major services in-networkUp to 70% of the total bill50% coinsurance50% coinsurance
Major services out-of-network95% of the provider's allowed amount450% coinsurance450% coinsurance4
Preventive services waiting periodNo waiting period6No waiting periodNo waiting period
Basic services waiting periodNo waiting period66 months6 months
Major services waiting periodNo waiting period612 months612 months6

Why choose an in-network dentist?

Preventive PPO

Better benefits, they file the claims for you, no charges over the allowed amount

Value 1500 PPO

Better benefits, they file the claims for you, no charges over the allowed amount

Core 1000

Visit any dentist you want, but visiting an in-network dentist means they will file the claims for you and you won't have to pay charges over the allowed amount.

Blue Cross and Blue Shield of North Carolina (Blue Cross NC) provides free aids to service people with disabilities as well as free language services for people whose primary language is not English. Please contact 888-206-4697 (TTY: 711) for assistance.

Blue Cross and Blue Shield of North Carolina (Blue Cross NC) proporciona asistencia gratuita a las personas con discapacidades, así como servicios lingüísticos gratuitos para las personas cuyo idioma principal no es el inglés. Llame al 888-206-4697 (TTY: 711) para obtener ayuda.

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.

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

  • Not clinically necessary
  • Hospitalization for any dental procedure
  • 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
  • Dental procedure not directly associated with dental disease
  • Procedures not performed in a dental setting
  • Procedures that are considered to be experimental, including pharmacological regimens not accepted by the American Dental Association (ADA) Council on Dental Therapeutics
  • Placement of dental implants, implant-supported abutments and prostheses. This includes pharmacological regimens and restorative materials
  • Drugs or medications, obtainable with or without a prescription, unless they are dispensed and utilized in the dental office during the patient visit
  • Setting of facial bony fractures and any treatment associated with the dislocation of facial skeletal hard tissue
  • 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
  • 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
  • Services related to the temporomandibular joint (TMJ), either bilateral or unilateral
  • Expenses for dental procedures begun prior to the member’s eligibility with Blue Cross NC
  • Fixed or removable prosthodontic restoration procedures for complete oral rehabilitation or reconstruction
  • 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 
  • Procedures related to the reconstruction of a patient’s correct vertical dimension of occlusion (VDO)
  • 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.
  • 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
  • Osseous grafts, with or without resorbable or non-resorbable GTR membrane placement, are covered once every 36 months per quadrant or surgical site
  • 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
  • Services for incision and drainage if the involved abscessed tooth is removed on the same date of service
  • Full mouth debridement is limited to once every 5 years
  • Occlusal guards for any purpose other than control of habitual grinding
  • Placement of fixed bridgework solely for the purpose of achieving periodontal stability
  • Orthodontic services

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

See more dental plan details

Learn more about your Blue Cross NC coverage options in our Dental Plan brochure, including plan information, pricing, steps to enroll and more.

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