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Dental Plans

Compare dental plans

Compare Dental Blue® for Individuals℠ plans from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). We offer three affordable coverage options for families and individuals.
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Dental Blue for Individuals

Plan overview

Preventive PPO

This plan covers preventive services and offers savings on basic and major services. It offers better benefits for in-network service.

Value 1500 PPO

This value plan covers preventive, basic and major services. It also offers better benefits for in-network services.

Core 1000

This core plan covers preventive, basic and major services. It offers the same benefit level whether you see an in-network or out-of-network dentist.

Dental plan affordability

Preventive PPO

$23.86 per member, per month regardless of age1

Value 1500 PPO

$34.45 per member, per month (under 65 years old)1

$42.75 per member, per month (65 years or older)1

Core 1000

$35.95 per member, per month (under 65 years old)1

$44.35 per member, per month (65 years or older)1

Dental plan deductibles

Preventive PPO

No deductible on in-network services and $250 deductible on out-of-network basic and major services

Value 1500 PPO

$50 deductible in-network and $100 deductible on out-of-network basic and major services

Core 1000

$75 deductible on basic and major services

Annual maximum

Preventive PPO

Benefits payable under basic and major services are limited, and you will pay most of the cost. Benefit plan maximum $5,000 includes preventive services, as well as any plan payments toward basic and major, if applicable.

Value 1500 PPO

$1,500 (amounts that Blue Cross NC pays for preventive, basic and major services apply to the annual maximum)

Core 1000

$1,000 (amounts that Blue Cross NC pays for preventive, basic and major services apply to the annual maximum)

Dental plan preventive services

Preventive PPO

Pay 0% of in-network preventive care services. For out-of-network preventive care services, you pay 10% coinsurance2

Value 1500 PPO

Pay 0% of in-network preventive care services and 30% of the allowed amount on out-of-network preventive care services2

Core 1000

Pay 0% of the allowed amount on preventive care services2

Basic services in-network

Preventive PPO

Pay up to 70% of the total bill for basic services – like routine fillings – when seeing an in-network dentist.

Value 1500 PPO

Pay 20% co-insurance for basic services – like routine fillings – when seeing an in-network dentist.

Core 1000

Pay 30% co-insurance for basic services – like routine fillings.

Major services in-network

Preventive PPO

Pay up to 70% of the total bill for major services when seeing an in-network dentist.

Value 1500 PPO

Pay 50% co-insurance for major services when seeing an in-network dentist.

Core 1000

Pay 50% co-insurance for major services.

Out-of-network services

Preventive PPO

For out-of-network preventive care services, you pay 10% coinsurance. For out-of-network basic and major services, you pay most of the cost, which is 95% of the out-of-network provider’s allowed amount2

Value 1500 PPO

For out-of-network preventive care services you pay 30% co-insurance. For out-of-network major services, you pay 50% co-insurance2

Core 1000

While you pay the same percentage for in- and out-of-network services, you may owe on costs above the allowed amount out-of-network. You pay 30% co-insurance for basic and 50% co-insurance for major services2

Dental plan waiting periods

Preventive PPO

No waiting period on any services3

Value 1500 PPO

  • Preventive Services: No waiting period  
  • Basic Services: 6-month waiting period  
  • Major Services: 12-month waiting period3

Core 1000

  • Preventive Services: No waiting period  
  • Basic Services: 6-month waiting period  
  • Major Services: 12-month waiting period3

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 1-888-206-4697 (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 1-888-206-4697 (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.

View Dental Brochure (PDF)(PDF)

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Disclosures:

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.

  1. Rates may change.            

  2. What we pay out-of-network providers is an "allowed amount," which is based on an average of our in-network contracted rates with participating providers. 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.

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

M60, 7/23 | U39086b, 6/23

Blue Cross and Blue Shield of North Carolina does not discriminate on the basis of race, color, national origin, sex, age or disability in its health programs and activities. Learn more about our non-discrimination policy and no-cost services available to you.

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