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Expect More with Adult Dental PPO Plans from Independence Blue Cross

Independence Blue Cross offers two dental plans for adults ages 19 and older:1 Adult Dental Preferred and Adult Dental Premier.2,3 These plans offer:

  • Easy access to the national Concordia Advantage network, with more than 63,000 dentists and 246,000 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 $937 on dental services
  • Flexibility and convenience to see any dentist nationwide
  • 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 — 96% first-call resolution and 99% of claims paid within 30 days

Something to Smile About — Adult Dental Plans from 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. 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:

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

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.

Scroll or swipe to reveal all table data.

Compare Dental Plans

Adult Dental Preferred

Adult Dental Premier with Preventive Incentive

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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

Scroll or swipe to reveal all table data.

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

Looking for Vision or Travel Plans?

Independence also has adult vision plans and health plans for international travel. Learn more and apply.

1 Pediatric dental coverage is included with all Independence Blue Cross commercial individual medical plans.

2 Adult Dental Preferred and Adult Dental Premier with Preventive Incentive are underwritten by QCC Insurance Company. This 2019 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.

3 Independence Blue Cross dental plans are administered by United Concordia Companies, Inc., an independent company.

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.

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