Small business

Independence Blue Cross Dental For small businesses

All Blue Solutions® medical plans cover in-network dental benefits for children up to age 19. These health plans don’t cover cosmetic orthodontia1 or out-of-network services, which many children may need. For an extra level of coverage for your employees and their families, you now have the option to add Independence Blue Cross Dental (IBX Dental) benefits to your health plan.

Our PPO, EPO, and Managed Care dental coverage encourages prevention, early diagnosis, and treatment and can help detect serious medical conditions, like high blood pressure and diabetes, before they become costly problems.

View our IBX Dental brochure for complete details.

Dental benefits that suit the needs of small businesses and their employees

IBX Dental gives you a wide variety of affordable plan options that feature rich benefits and value-added services. And employees will have access to a robust local network as well as expanding national networks, so they can find a dentist wherever they are.

  • Plans designed for prevention and savings: All plans feature low monthly premiums and coverage of routine preventive exams, cleanings, and X-rays. Plus, market leading in-network discounts and unique value-adds can help employees save on out-of-pocket expenses.
  • Robust provider network: Members in PPO and EPO plans have access to one of the largest dental networks in the Pennsylvania five-county area and also have access to the GRID/GRID+ — a national network of 20 Blue Plans representing 42 Blue Plan service areas, with over 500,000 access points. We also have one of the largest Managed Care-style networks in the region.2
  • In-network and out-of-network savings: Members save more when they use in-network providers.
  • No waiting periods: Members can begin using benefits on day one.
  • Value-adds: Plans include access to discounts and extra coverage options to help employees save.

Note: Managed Dental Care plans require the selection of a Primary Dental Office (PDO) from the Plan’s dental Managed Care network.

The member’s PDO provides routine care and arranges or provides most other necessary and appropriate dental services. Except for emergency services, benefits are covered only when provided or properly referred by the member’s PDO. The manner of accessing benefits through the PDO is made clear in the terms of the Group Contract and Certificate of Coverage.

1 In-network pediatric basic, major, and medically necessary orthodontia services covered under the health plan are subject to copays and deductibles and are not covered in full.

2 Based on internal data.

Independence Dental Benefits are administered by Dominion Dental Services, Inc., an independent company.

Dental Plans are underwritten by QCC Insurance Company, a subsidiary of Independence Blue Cross — independent licensees of the Blue Cross and Blue Shield Association.

Independence Blue Cross offers products through its subsidiaries Independence Assurance Company, Independence Hospital Indemnity Plan, Keystone Health Plan East, and QCC Insurance Company — independent licensees of the Blue Cross and Blue Shield Association.