blue cross blue shield dental insurance individuals Dental insurance plans

Blue cross blue shield dental insurance for individuals

Coronavirus Update

See how we’re supporting BCBS FEP Dental members’ health and well-being during this time, including following the Centers for Disease Control and Prevention (CDC) and American Dental Association (ADA) guidelines and protocols. Learn more here.

Get three free cleanings and more

A healthy smile is an important part of your overall health. That’s why BCBS FEP Dental offers the supplemental coverage you and your family need to keep your teeth healthy, including three free cleanings a year. We’re proud to offer our coverage to federal employees and retirees plus eligible retired uniformed service members.

These benefits are neither offered nor guaranteed under contract with the FEHB Program but are made available to all enrollees and family members who become members of BCBS FEP Dental.

  • Free in-network preventive care, including up to three dental cleanings a year
  • A large nationwide network with over 488,000 provider access points
  • No deductibles for in-network services like fillings and root canals
  • Benefits starting from day one of your coverage being active
  • An unlimited annual benefit with our High Option
  • Benefits that work overseas
  • Access to health and wellness discounts with Blue365®

High Option

  • Three free cleanings a year
  • Unlimited annual maximum for in-network benefits
  • $3,000 annual maximum for out-of-network benefits

Standard Option

  • Three free cleanings a year
  • $1,500 annual maximum for in-network benefits
  • $750 annual maximum for out-of-network benefits

Visit BCBS FEP Dental

Learn more about our supplemental dental plan.

Learn More

View Dental Plan Details

Get comprehensive details of BCBS FEP Dental coverage and benefits.

Download the Brochure

Find a Dentist

Search our directory of providers or call 1-855-504-BLUE (2583).

Find a Provider

Understanding Your Dental Benefits

Understanding your�Blue Cross Blue Shield�FEP Dental coverage is the key to making the most of your benefits, keeping your smile healthy and protecting your overall health.

Need help understanding and choosing a benefit plan? Our AskBlueSM BCBS FEP Dental Plan Finder tool can help you select the right plan for your needs.

We want you to be informed so that you can get the most appropriate and cost-effective care. Check out our Member Education Materials to get more information about�Blue Cross Blue Shield�FEP Dental's value and offerings.

Benefits ChartBenefits Chart - High Option

High Option High Option Standard Option What you pay for common services IN-NETWORKOUT-OF-NETWORKIN-NETWORKOUT-OF-NETWORKClass A (Basic) Servicese.g., exams, cleanings, X-rays, sealantsClass B (Intermediate) Servicese.g., oral surgery, fillings, gum scalingClass C (Major) Servicese.g., crowns, bridges, implants, root canals, denturesClass D (Orthodontics) ServicesAdults & ChildrenAnnual Deductible
for Class A, B and C ServicesDoes not apply to Class D (Orthodontics)Annual Maximum Benefits
for Class A, B and C ServicesDoes not apply to Class D (Orthodontics)
You pay nothing You pay 10% You pay nothing You pay 40%
You pay 30% You pay 40% You pay 45% You pay 60%
You pay 50% You pay 60% You pay 65% You pay 80%
You pay 50% up to $3,500 lifetime maximum per person You pay 50% up to $3,500 lifetime maximum per person You pay 50% up to $2,500 lifetime maximum per person You pay 50% up to $1,250 lifetime maximum per person
You pay
no deductible 		You pay $50
per person 		You pay
no deductible 		You pay $75
per person
No benefit limit We pay up to
$3,000 per person 		We pay up to
$1,500 per person 		We pay up to
$750 per person

Benefits Chart - Standard Option

Standard Option What you pay for common services IN-NETWORKOUT-OF-NETWORKClass A (Basic) Servicese.g., exams, cleanings, X-rays, sealantsClass B (Intermediate) Servicese.g., oral surgery, fillings, gum scalingClass C (Major) Servicese.g., crowns, bridges, implants, root canals, denturesClass D (Orthodontics) ServicesAdults & ChildrenAnnual Deductible
for Class A, B and C ServicesDoes not apply to Class D (Orthodontics)Annual Maximum
for Class A, B and C ServicesDoes not apply to Class D (Orthodontics)
You pay nothing You pay 40%
You pay 45% You pay 60%
You pay 65% You pay 80%
You pay 50% up to $2,500 lifetime maximum per person You pay 50% up to $1,250 lifetime maximum per person
You pay
no deductible. 		You pay $75
per person
We pay up to
$1,500 per person 		We pay up to
$750 per person


Understanding Your Dental Premium

We calculate our dental premiums based on your location (rating areas) and the plan option you select.

Use our Premium Finder to easily find your premium amount or take a look at the tables below to determine your premiums.

To find your premium, locate your state and/or zip code in the rating area table below and to identify your rating area.

Rating Area Chart - Section 1Rating Area Chart

StateFirst 3 digits of your ZIP CodeRating Area
AK Entire State 5
AL Entire state 1
AR Entire state 2
AZ 855, 859-860, 863-865 2
AZ 850-853 3
AZ Rest of state 1
CA 900-908, 910-928, 930-931, 933-935 4
CA 900-908, 910-928, 930-931, 933-935 4
CA 939-952, 954, 956-959 5
CA 939-952, 954, 956-959 5
CA Rest of state 2
CO Entire state 4
CT 060-063 5
CT Rest of state 4
DC Entire area 3
DE Entire state 2
FL 330-334, 349 2
FL 330-334, 349 2
FL Rest of state 1
GA Entire state 1
GU Entire area 1
HI Entire state 3
IA 500-514, 516, 520-528 3
IA Rest of state 2
ID Entire state 4
IL 600-609, 613 2
IL 612 3
IL Rest of state 1
IN 463-464 2
IN Rest of state 1
KS 664-665, 667-679 2
KS Rest of state 1
KY Entire state 1
LA Entire state 1
MA 010-011, 013-027, 055 5
MA Rest of state 3
MD 205-212, 214, 216-217 3
MD Rest of state 2
ME 039-042 5
ME Rest of state 2
MI 480-485 2
MI Rest of state 1
MN 550-551, 553-555, 563 4
MN Rest of state 3
MO 726 2
MO Rest of state 1
MS Entire state 1
MT Entire state 1
NC 270-274, 278, 280-282, 284-289 2
NC 275-277, 283 3
NC Rest of state 1
ND Entire state 5
NE Entire state 2
NH 030-033, 038 5
NH Rest of state 3
NJ 070-079, 085-089 4
NJ Rest of state 2
NM Entire state 1
NV 897 5
NV Rest of state 2
NY 120-123, 128 3
NY 005, 100-119, 124-126 4
NY 063 5
NY Rest of state 2
OH Entire state 1
OK Entire state 1
OR 970-973 4
OR Rest of state 2
PA 189-196 2
PA 172-174 3
PA 180-181, 183 4
PA Rest of state 1
PR Entire area 1
RI Entire state 5
SC Entire state 2
SD Entire state 1
TN Entire state 1
TX Entire state 1
UT Entire state 2
VA 201, 205, 220-227 3
VA Rest of state 1
VI Entire area 1
VT Entire state 5
WA 980-985 5
WA Rest of state 4
WI 540 4
WI Rest of state 3
WV 254 3
WV Rest of state 1
WY 834 4
WY Rest of state 2
INTL International 1
Rating Area Chart - Section 2StateFirst 3 digits of your ZIP CodeRating Area
KY Entire state 1
LA Entire state 1
MA 010-011, 013-027, 055 5
MA Rest of state 3
MD 205-212, 214, 216-217 3
MD Rest of state 2
ME 039-042 5
ME Rest of state 2
MI 480-485 2
MI Rest of state 1
MN 550-551, 553-555, 563 4
MN Rest of state 3
MO 726 2
MO Rest of state 1
MS Entire state 1
MT Entire state 1
NC 270-274, 278, 280-282, 284-289 2
NC 275-277, 283 3
NC Rest of state 1
ND Entire state 5
NE Entire state 2
NH 030-033, 038 5
NH Rest of state 3
NJ 070-079, 085-089 4
NJ Rest of state 2
NM Entire state 1
NV 897 5
NV Rest of state 2
NY 120-123, 128 3
NY 005, 100-119, 124-126 4
NY 063 5
Rating Area Chart - Section 3StateFirst 3 digits of your ZIP CodeRating Area
NY Rest of state 2
OH Entire state 1
OK Entire state 1
OR 970-973 4
OR Rest of state 2
PA 189-196 2
PA 172-174 3
PA 180-181, 183 4
PA Rest of state 1
PR Entire area 1
RI Entire state 5
SC Entire state 2
SD Entire state 1
TN Entire state 1
TX Entire state 1
UT Entire state 2
VA 201, 205, 220-227 3
VA Rest of state 1
VI Entire area 1
VT Entire state 5
WA 980-985 5
WA Rest of state 4
WI 540 4
WI Rest of state 3
WV 254 3
WV Rest of state 1
WY 834 4
WY Rest of state 2
INTL International 1

Once you have identified your rating area, you can view premium amounts for our available plans in the premium table below.

Premium High Options ChartPremium High Options Chart - Self Only

High Option PremiumsRating AreaSelf OnlySelf + OneSelf & FamilyBI-WEEKLYMONTHLYBI-WEEKLYMONTHLYBI-WEEKLYMONTHLY12345
$18.02 $39.04 $36.05 $78.11 $54.07 $117.15
$20.19 $43.75 $40.38 $87.49 $60.57 $131.24
$21.98 $47.62 $43.97 $95.27 $65.95 $142.89
$23.81 $51.59 $47.62 $103.18 $71.43 $154.77
$26.65 $57.74 $53.29 $115.46 $79.94 $173.20
Premium High Options Chart - Self + oneHigh Option PremiumsRating AreaSelf + OneBI-WEEKLYMONTHLY12345
$36.05 $78.11
$40.38 $87.49
$43.97 $95.27
$47.62 $103.18
$53.29 $115.46
Premium High Options Chart - Self and FamilyHigh Option PremiumsRating AreaSelf & FamilyBI-WEEKLYMONTHLY12345
$54.07 $117.15
$60.57 $131.24
$65.95 $142.89
$71.43 $154.77
$79.94 $173.20


Premium Standard Options ChartPremium Standard Options Chart - Self Only

Standard Option PremiumsRating AreaSelf OnlySelf + OneSelf & FamilyBI-WEEKLYMONTHLY BI-WEEKLYMONTHLYBI-WEEKLYMONTHLY12345
$9.19 $19.91 $18.38 $39.82 $27.58 $59.76
$10.07 $21.82 $20.15 $43.66 $30.22 $65.48
$11.45 $24.81 $22.89 $49.60 $34.31 $74.34
$12.36 $26.78 $24.70 $53.52 $37.03 $80.23
$13.65 $29.58 $27.31 $59.17 $40.96 $88.75
Premium Standard Options Chart - Self + oneStandard Option PremiumsRating AreaSelf + OneBI-WEEKLYMONTHLY12345
$18.38 $39.82
$20.15 $43.66
$22.89 $49.60
$24.70 $53.52
$27.31 $59.17
Premium Standard Options Chart - Self and FamilyStandard Option PremiumsRating AreaSelf & FamilyBI-WEEKLYMONTHLY12345
$27.58 $59.76
$30.22 $65.48
$34.31 $74.34
$37.03 $80.23
$40.96 $88.75

If you have further questions, call Customer Service at 1-855-504-2583 in the U.S. or 1-651-994-2583 collect outside the U.S.

Average Cost Savings

BCBS FEP Dental has a larger nationwide network with nearly half a million provider access points. Use our Find a Provider tool to locate a dentist in the BCBS FEP Dental network or call us at 1-855-504-2583 for assistance.

Average Cost Savings ChartAverage Cost Savings Chart - What you pay with High Option

What you pay with High Option*

What you pay with High Option*

What you pay with Standard Option*

Average cost without BCBS FEP Dental

Two Dental ExamsThree CleaningsOne Set of X-raysTwo Fillings1One Root Canal
(molar)One Crown
(porcelain)What you pay out-of-pocket

$0

$0

$120

$0

$0

$305

$0

$0

$170

$65

$97

$350

$450

$580

$1,570

$435

$565

$1,540

$950

$1,242

$4,055

*Assumes you visit in-network providers.
1 Anterior tooth colored, one surface each.
Average Cost Savings Chart - What you pay with Standard Option

What you pay with Standard Option*

Two Dental ExamsThree CleaningsOne Set of X-raysTwo Fillings1One Root Canal (molar)One Crown (porcelain)What you pay out-of-pocket

$0

$0

$0

$97

$580

$565

$1,242

Average Cost Savings Chart - Average cost without BCBS FEP Dental

Average cost without BCBS FEP Dental

Two Dental ExamsThree CleaningsOne Set of X-raysTwo Fillings1One Root Canal (molar)One Crown (porcelain)What you pay out-of-pocket

$120

$305

$170

$350

$1,570

$1,540

$4,055

*Assumes you visit in-network providers.
1 Anterior tooth colored, one surface each.

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