Pennsylvania dental plans
Independence Blue Cross (IBX) offers dental plans1 for adults ages 19 and older and families with children up to age 262.
These plans offer:
- Broad provider network. You have access to one of the largest dental networks in the region and a national network of more than 500,000 access points.
- No waiting periods. There's no waiting period for preventive care and certain basic services like fillings and extractions.
- Flexibility to see any dentist. You’ll maximize your savings by using an in-network dentist, but you have the option to see any dentist without a referral.
- Savings incentive for preventive care. Preventive services don’t count against your annual maximum, so you can use that coverage for more expensive services.
- Preventive rewards program. Primary subscribers can get $20 for themselves and for each covered dependent who has two cleanings from an in-network dentist during the plan year.
Adult dental plans
| IBX Adult Preferred Dental PPO | IBX Adult Premier Dental PPO | |
|---|---|---|
| Deductible | $50 individual $150 family |
$50 individual $150 family |
| Annual Maximum Benefit | $1,500 | $2,000 |
| Your plan pays: | Your plan pays: | |
| Preventive & Diagnostic Services5 | 100%, not subject to deductible | 100%4, not subject to deductible |
| Basic Services5 | 50% for fillings, extractions, root canals, periodontics, and oral surgery | 80% for fillings, extractions, root canals, periodontics, and oral surgery |
| Major Services5 | Not covered | 50% for crowns, inlays, onlays, and prosthetics |
| Apply now | Apply now |
Family dental plans
| IBX PPO 100/50/30/0 $1000 (MAC) | IBX Active PPO 100/80/50/50 $1500 (MAC) | IBX EPO Low (In-network only) |
|
|---|---|---|---|
| Deductible | $50 individual $150 family |
$50 individual $150 family |
$25 individual $75 family |
| Annual Maximum Benefit | $1,000 | $1,500 | $2,000 |
| Your plan pays: | Your plan pays: | You pay: | |
| Preventive & Diagnostic Services5 | 100%, not subject to deductible | 100% in-network, 90% out-of-network4, not subject to deductible | $0-$40 |
| Basic Services5 | 50% for fillings, extractions, root canals, periodontics, and oral surgery | 80% in-network, 70% out-of-network for fillings, extractions, root canals, periodontics, and oral surgery | Please refer to the benefit summary for exact costs |
| Major Services5 | 30% after deductible for crowns, inlays, onlays, and prosthetics | 50% in-network, 40% out-of-network after deductible for crowns, inlays, onlays, and prosthetics | Please refer to the benefit summary for exact costs |
| Apply now | Apply now | Apply now |
Downloads
Please see the plan overview for additional benefits information, including waiting periods, limitations, and exclusions.
Ready to apply?
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 The 2026 Dental Plan Overview represents only a partial listing of the benefits, limitations, and exclusions of the 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 In-network only
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.