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Benefits of Buying a BCBSNC 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 cleanings 1
Major services like crowns, dentures and bridges are covered

How it Works

Using your dental insurance couldn't be easier:

Choose a licensed dentist
practicing in North Carolina

Make an appointment

Show your BCBSNC member ID
card at the dentist's office

If you select a participating dental provider, your dental claims will be filed for you. Non-participating providers may require payment in full at the time of service, and are not required to file your claim on your behalf.


What's Covered

Covered Services
What You Pay
  • Routine dental checkups
  • Dental cleanings
  • Bitewing X-rays
  • Panoramic X-rays
  • Palliative emergency treatment
Your Cost
  • You pay $25 copayment for each office visit.
  • There's no deductible and no waiting period for preventive services. 2
  • Routine fillings
  • Consultations
  • Simple extractions
  • Stainless steel crowns
  • Recementing of inlays, onlays, crowns and fixed partial dentures
Your Cost
  • You pay 40% after your deductible for basic and major services is met. 1
  • There's a six-month waiting period for basic services. 2
  • Complex oral surgery
  • Endodontics
  • Periodontics, including complex periodontal care
  • Periodontal maintenance
  • Inlays/onlays
  • Porcelain crowns
  • Dentures
  • Bridges
Your Cost
  • You pay 50% after your deductible for basic and major services is met. 1
  • There's a 12-month waiting period for major services. 2
Deductible for basic and major services
Your Cost
Annual maximum limit for all services 3
Your Cost
Year 1: $1,000
Year 2: $1,100
Year 3: $1,200

What it Costs


Individual and 1 dependent


How to Apply

It's easy to apply for a dental insurance plan online.

  1. Click Apply Now
  2. Enter some information about yourself
  3. Submit your application
Apply Now

Need more help?

  1. Read our Frequently Asked Questions
  2. Email us at
  3. Call us at 1-888-280-2683, Monday - Friday, 8 a.m. - 5 p.m.

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 BCBSNC in-network dentist near you.

Note: Not all ADA Member Dentists are part of BCBSNC's dental network.

Frequently Asked Questions

Applicants and their spouses/domestic partners age 65 and older who are residents of North Carolina are eligible for Dental Blue for Seniors.

A spouse/domestic partner can be added within 30 days of a qualifying life event, such as marriage, divorce or court order.

No, Dental Blue for Seniors is only available to applicants and their spouses/domestic partners age 65 and older.

No, your coverage can begin on either the first or the 15th of the month.

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.

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 BCBSNC 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 (pdf)

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, BCBSNC 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.