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Dependable and Affordable Dental Options for Individuals and Families

  • 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

How it Works

Using your dental insurance couldn't be easier:

  1. Choose a licensed dentist practicing in North Carolina
  2. Make an appointment
  3. Show your Blue Cross NC member ID card at the dentist's office
  4. Though most dentist offices will file a claim for you, if they don't offer that service, you will need to file the claim.

What's Covered

Preventive Care
Covered
  • 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)
Your Cost
  • You pay nothing for checkups and cleanings twice per benefit period.
  • There's no deductible and no waiting period for preventive services.2
Basic
Covered
  • Routine fillings
  • Simple extractions
  • Stainless steel crowns
Your Cost
  • You pay 30% after your deductible for basic services.
  • There's a six-month waiting period for basic services.2
Major
Covered
  • Gingival curettage
  • Gingivectomy and gingivoplasty
  • Periodontal maintenance
  • Inlays/onlays
  • Porcelain crowns
  • Dentures
  • Bridges
  • Oral surgery
  • Endodontics
Your Cost
  • 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

  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.