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Dental Insurance Plans

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Regular dental care is an important part of an overall healthy lifestyle. Blue Cross and Blue Shield of Nebraska (BCBSNE) offers a variety of options to meet the needs and budgets of individuals and families. 

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DentalEssentials

You can purchase DentalEssentials coverage even if you don’t have health insurance coverage with us! In-network dentists are located throughout Nebraska and nationwide.

Preventive Services

Covers routine oral exams and cleanings as well as fluoride for those under the age of 16.

Basic Maintenance

Covers fillings, extractions and other basic dental maintenance. 

Major/Complex Services

Covers services such as crowns, dentures, root canals and more. 
Get a Dental Quote

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We Make It Simple to Get Affordable Dental Insurance

Four Options

With a range of options, you can select a DentalEssentials plan that meets your needs and budget.

Simple Sign Up

Easily sign up for individual or family coverage.1

Easy Billing

If you carry health insurance with us, you’ll receive a single bill for both your medical and dental plans.2

1 When applying for individual health and dental coverage at the same time, the same enrollment is required unless a separate application for individual dental is submitted.
2 When the primary insured for both individual health and dental is the same.

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New 2021 Plan Options

Dental Coverage That Meets Your Needs 

Need dental insurance for 2021?  Get a DentalEssentials quote for coverage starting Jan. 1, 2021.


Preventive Plus Enhanced Premier
Deductible $50 per person
per calendar year
$100 per person
per calendar year
$100 per person
per calendar year
Annual Benefit Maximum $1,000 per person
per calendar year
$1,500 per person
per calendar year
$2,000 per person
per calendar year
Coinsurance


Coverage A Services In network: 0%
(deductible waived)
Out of network: 20%
In network: 0%
(deductible waived)
Out of network: 20%
In network and
Out of network: 0%
(deductible waived)
Coverage B Services
(6-Month Waiting Period3)
In network: 20%
Out of network: 30%
In network: 20%
Out of network: 30%
In network: 20%
Out of network: 30%
Coverage C Services In network and
Out of network: 50%
In network and
Out of network: 50%
In-network and
Out-of-network: 50%
3 Waived for seniors purchasing a Medicare Supplement plan or Armor Health policy at the same time as a DentalEssentials plan.
Please note: DentalEssentials does not cover services for orthodontic dentistry.
Coinsurance is based on the allowable charge for a covered service. Generally, the allowable charge for covered services by in-network providers will be the contract amount. The allowable charge for covered services by out-of-network providers will be based on the contracted amount for Nebraska providers or an amount determined by the on-site plan for out-of-area providers.

 

Four Plan Options

Dental Coverage That Meets Your Needs 


Plan 1 Plan 2 Plan 3 Plan 4
Deductible $50 per person
per calendar year
$50 per person
per calendar year
$50 per person
per calendar year
$50 per person
per calendar year
Annual Benefit Maximum $1,000 per person
per calendar year
$1,000 per person
per calendar year
$1,000 per person
per calendar year
$1,000 per person
per calendar year
Coinsurance



Coverage A Services In network: 0%
(deductible waived)
Out of network: 20%
In network: 0%
(deductible waived)
Out of network: 20%
In network and
Out of network: 0%
(deductible waived)
In network and
Out of network: 0%
(deductible waived)
Coverage B Services
(6-Month Waiting Period3)
In network: 20%
Out of network: 30%
In network: 20%
Out of network: 30%
In network and
Out of network: 20%
In network and
Out of network: 20%
Coverage C Services In network and
Out of network: 50%
Not covered In-network and
Out-of-network: 50%
Not covered
3 Waived for seniors purchasing a Medicare Supplement plan at the same time as a DentalEssentials plan.
Please note: DentalEssentials does not cover services for orthodontic dentistry.
Coinsurance is based on the allowable charge for a covered service. Generally, the allowable charge for covered services by in-network providers will be the contract amount. The allowable charge for covered services by out-of-network providers will be based on the contracted amount for Nebraska providers or an amount determined by the on-site plan for out-of-area providers.