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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 the national Concordia Advantage network, with more than 68,000 dentists and 250,000 points of access across the country
  • Flexibility to see any dentist nationwide, without a referral4
  • Maximum savings when you use a participating dentist – up to $924 on dental services
  • 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
  • Hassle-free service – 97% first-call resolution and 98% of claims paid within 30 days
dental plans image
dental plans image

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Independence offers a lot of reasons to smile

Here’s a quick overview of the two dental plans available through Independence Blue Cross.


Get more for your money with Adult Dental Premier

Our most popular 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:

For illustrative purposes only. Assumes services are provided by Concordia Advantage network dentists; savings will vary by dentist, service, and geographic region. Costs calculated based on the Philadelphia five-county service area.

With Preventive Incentive Without Preventive Incentive
Annual benefit maximum $1,000 $1,000
Amount plan pays for two exams, two cleanings, and one set of X-rays $193 $193
Remaining annual
benefit maximum
$1,000 $807

Compare our dental plans

Our most popular plan, Adult Dental Premier has a Preventive Incentive to help you save money. Preventive Incentive 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:

Adult Dental Preferred Adult Dental Premier with Preventive Incentive
Deductible $50 individual
$150 family
$50 individual
$150 family
Annual Maximum Benefit $1,000 $1,000
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
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Downloads

Please see the plan overview for additional benefits information, including waiting periods, limitations, and exclusions.

dental image
dental image

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 administered by United Concordia Companies, Inc., an independent 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 2020 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. Once enrolled, you can view your benefit information on ibxpress.com. 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 providers. The amounts could be significant.