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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 Blue Shield of Nebraska is here to help protect your health – and that includes dental care. With four dental benefit options to choose from, it’s easy to find  an affordable plan for you and the ones you love. Get started finding the plan that’s right for you from one of the biggest dental networks in the nation.

DentalEssentials

One of the Largest PPO Dental Networks in the Nation

Our DentalEssentials members and their covered dependents will receive in-network benefits whenever they use dentists in our network. Our network dentists are located in Nebraska and throughout the nation. 

DentalEssentials is available to all Nebraskans and includes coverage on a variety of services:
  • Preventive dental exams
  • Diagnostic dentistry
  • Oral surgery
  • Extractions
  • Crowns
  • Root canals
  • Dentures
  • Periodontic services
Download the Brochure

Getting Started

We Make It Simple to Get Affordable Dental Insurance
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Four Options

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

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Simple Sign Up

When signing up, you have complete flexibility to select the membership type you need, from single adult to family coverage.1

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Easy Billing

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

1 If you have Blue Cross and Blue Shield of Nebraska health insurance, your membership on the dental plan doesn’t have to match your health plan membership. 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.

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
Monthly Premium Rates



Per Adult <55 $32.11 $24.63 $36.93 $28.32
Per Adult 55+ $44.46 $29.86 $51.13 $34.34
Per Dependent $31.03 $30.65 $35.68 $35.25
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.

Covered Services

Depending on the plan you choose, here are the services that are included.

 Preventive and Diagnostic Dentistry

Under Coverage A, benefits are available for (but not limited to) the following covered services:  

  • Two comprehensive and/or periodic oral examinations per calendar year
  • Consultations with a dental consultant when medically necessary
  • Two prophylaxis, including cleaning, scaling and polishing of teeth per calendar year
  • Two topical fluoride applications per calendar year4
  • Dental x-rays5 - One full mouth or panorex series of x-rays in any period of three consecutive calendar years - One set of four supplemental bitewing x-rays in a calendar year
  • Sealants, but not more than once every four calendar years4
  • Space maintainers4

4 Coverage available for dependents under the age of 16 only
5 X-rays related to services provided under a different coverage classification are excluded under Coverage A benefits

Maintenance and Simple Restorative Dentistry and Oral Surgery

Under Coverage B, benefits are available for (but not limited to) the following covered services:  

  • Restorations of silver amalgam and/or composite materials (fillings)

Oral surgery consisting of:

  • Simple and impacted extractions (extractions for orthodontia services are excluded)
  • Removal of dental cysts and tumors

Other services:

  • General anesthesia
  • Palliative treatment
  • Problem focused and/or emergency oral examinations
Complex Restorative Dentistry, Periodontic and Endodontics

Under Coverage C, benefits are available for (but not limited to) the following covered services:

  • Crowns
  • Installation of permanent bridges
  • Dentures – full and partial
  • Denture adjustments
  • Repair of dentures, bridges, crowns and cast restorations
  • Core buildup

Periodontic services consisting of:

  • Up to four periodontic cleanings per calendar year
  • Gingivectomy 
  • Gingival curettage
  • Osseous surgery
  • Treatment of acute infection and oral lesions

Endodontic services consisting of:

  • Pulp cap
  • Vital pulpotomy
  • Root canals (includes treatment plan, clinical procedures and follow-up care)
  • Apical curettage