Dental Blue: Plans to Fit Your Business

Blue Cross and Blue Shield of North Carolina offers a suite of dental plans.*

All of our plans offer

  • Full coverage for diagnostic and preventative care with no waiting period.

  • Access to the BCBSNC dental network or freedom to see any licensed dentist.

  • Numerous plan options.

Traditional Plan
Rollover Plan
Premium
Benefit Plan
Graduated
Benefits Plan
Plan Features

A traditional benefit plan structure that's familiar.

Lets you choose the deductible and benefit period maximum amounts that work best for your business.

Employees can rollover a portion of their unused benefit period maximum to the next benefit period.

Employees earn their rollover only when they get regular preventive checkups

Year one provides standard benefit period maximum amounts that employees find familiar.

Benefit period maximums increase in years two and three.

Employees get increasingly better benefits while you are better able to manage your budget.

Plan starts employees at a lower level, then increases their benefits in years two and three.

No waiting period for any service.

Benefits reach more traditional levels in year three.

Diagnostic and Preventive

100%

100%

100%

100%

Basic

80%

80%

80%

80%

Major

50%

50%

50%

Year 1 - 25%
Year 2 - 40%
Year 3 - 50%

Orthodontia
(optional)

50%

50%

50%

Year 1 - 25%
Year 2 - 40%
Year 3 - 50%

Annual Deductible
(Individual / Family)

$25 / $75, $50 / $150 or $75 / $225

$50 / $150

$50 / $150

$50 / $150

Benefit Period Maximum

$750, $1,000,
$1,250, $1,500 or
$2,000

Opt. 1 - $1,000,
Opt. 2 - $1,250,
Opt. 3 - $1,500,
Opt. 4 - $2,000

Year 1
Opt. 1 - $1,000
Opt. 2 - $1,500

Year 2
Opt. 1 - $1,100
Opt. 2 - $1,650

Year 3
Opt. 1 - $1,200
Opt. 2 - $1,800

Year 1
Opt. 1 - $1,000
Opt. 2 - $1,500

Year 2
Opt. 1 - $1,100
Opt. 2 - $1,650

Year 3
Opt. 1 - $1,200
Opt. 2 - $1,800

Orthodontia Lifetime Maximum
(optional)

$1,000, $1,250, $1,500 or $2,000

Opt. 1 - $1,000,
Opt. 2 - $1,250,
Opt. 3 - $1,500,
Opt. 4 - $2,000

Opt. 1 - $1,000,
Opt. 2 - $1,500

Opt. 1 - $1,000,
Opt. 2 - $1,500

Waiting Period (Groups without prior coverage)

Waiting periods may apply to major and orthodontia.

Waiting periods may apply to major and orthodontia.

Waiting periods may apply to major and orthodontia.

None

Waiting Period (Groups with prior coverage)

None for initial and timely enrollees.

None for initial and timely enrollees.

None for initial and timely enrollees.

None

Limitations and Exclusions:

This is a partial list of services not covered by your dental benefits plan:

  • Not medically necessary
  • Hospitalization for any dental procedure
  • Dental procedures not directly associated with dental disease
  • Procedures not performed in a dental setting
  • Drugs or medications unless they're dispensed and utilized in the dental office during the patient visit
  • Services related to temporomandibular joint (TMJ)
  • Dental implants,oral orthotic devices, palatal expanders and orthodontics, except as specifically covered by your dental benefit plan

Note: Your actual expenses for covered services may exceed the stated coinsurance percentage amount because actual provider charges may not be used to determine the payment obligations for BCBSNC and its members.

* Some exceptions may apply.