Pennsylvania dental plans
Independence Blue Cross offers two dental plans1 for adults ages 19 and older:2 Adult Dental Preferred and Adult Dental Premier.3
These plans offer:
- Easy access to one of the largest networks of dental providers in the Philadelphia area
- Flexibility to see any dentist nationwide, without a referral4
- Maximized savings when you use an in-network dentist — our dental plans have discounts above the national average and discounts on non-covered services with some in-network providers
- Fully covered routine exams, cleanings, and X-rays — pay $0 at the time of your visit
- No waiting period for preventive care and certain basic services, such as fillings and extractions
Get more for your money with Adult Dental Premier
Our most popular dental plan, Adult Dental Premier has a Preventive Incentive to help you save money. This means that the amount your plan pays for routine exams, cleanings, and X-rays won’t be deducted from your annual maximum benefit, so you can use that money for other services. Here’s how it works:
| With Preventive Incentive | Without Preventive Incentive | |
|---|---|---|
| Annual benefit maximum | $2,000 | $2,000 |
| Amount plan pays for two exams, two cleanings, and one set of X-rays | $193 | $193 |
| Remaining annual benefit maximum |
$2,000 | $1,807 |
Compare our dental plans
Adult Dental Preferred may be a good option for you if you want a plan that covers preventive services (like exams and cleanings) and basic services (like fillings and root canals). Adult Dental Premier may be a good option for you if you want the added protection of lower out-of-pocket costs and coverage for major services, such as crowns and dentures.
| Adult Dental Preferred | Adult Dental Premier with Preventive Incentive | |
|---|---|---|
| Deductible | $50 individual $150 family |
$50 individual $150 family |
| Annual Maximum Benefit | $1,500 | $2,000 |
| PPO Network | Concordia Advantage | Concordia Advantage |
| You pay: | You pay: | |
| Preventive & Diagnostic Services5 | $0 not subject to deductible |
$04 not subject to deductible |
| Basic Services5 | 50% for fillings, extractions, root canals, periodontics, and oral surgery | 20% for fillings, extractions, root canals, periodontics, and oral surgery |
| Major Services5 | Not covered | 50% for crowns, inlays, onlays, and prosthetics |
| Apply now | Apply now |
Downloads
Please see the plan overview for additional benefits information, including waiting periods, limitations, and exclusions.
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Click the button below to apply for dental coverage now. Or download a paper application to apply by mail.
1 Independence Blue Cross dental plans are underwritten by QCC Insurance Company.
2 Pediatric dental coverage is included with all Independence Blue Cross commercial individual medical plans.
3 Adult Dental Preferred and Adult Dental Premier with Preventive Incentive are underwritten by QCC Insurance Company. This 2024 Adult Dental Plan Overview represents only a partial listing of the benefits, limitations, and exclusions of the adult dental plans. The plans may not cover all your expenses. If you have any questions, please call 1–844–762–2140. Read your contract carefully to determine which services are covered and for details on the conditions of your policy.
4 The following services are included in the Preventive Incentive: Exams, cleanings, X-rays, and palliative treatments. The amount paid by the plan for these services is not counted toward your annual maximum benefit.
5 Out-of-network providers may bill you for the difference between what is paid by the plan and the actual charges of the provider. The amounts could be significant.