## Plan overview ### Why choose a Blue Cross dental plan? Blue Cross and Blue Shield of Minnesota has a wide range of competitive dental plan options. All plans cover preventive dental care at 100 percent, including exams and cleanings, when you see an in-network dentist. **Benefits include:** - Preventive and comprehensive benefits - No waiting periods on benefits - No missing tooth clause - Posterior composites (white fillings covered the same on front and back teeth) Blue Cross Dental is a smart choice to complement your health plan and round out your employee benefit package. You can purchase a dental plan for your employees any time. It’s quick and easy. You don't have to have Blue Cross health insurance to enroll in a dental plan. SVG .cls-1 { fill: none; stroke: #231f20; stroke-linecap: square; stroke-miterlimit: 10; stroke-width: 2px; } ### Find a dentist Dentists who provide discounts for non-covered services have a “**$ave!**” symbol next to their name. [Search dental network](/find-care/find-dentist) Protect your health with dental coverage SVG .cls-1 { fill: none; stroke: #231f20; stroke-linejoin: round; stroke-width: 2px; } ### Minnesota providers More than 2,300 in-network providers, and more than 7,600 access points in Minnesota1 SVG .cls-1 { fill: none; stroke: #231f20; stroke-linejoin: round; stroke-width: 1.7px; } ### Nationwide providers More than 119,000 in-network providers, and more than 428,000 access points nationwide1 SVG .cls-1 { fill: none; stroke: #231f20; stroke-linecap: square; stroke-miterlimit: 10; stroke-width: 2px; } ### Network savings Average network savings of 33% for members who used an in-network provider in 20242 SVG .cls-1 { stroke-linecap: square; stroke-miterlimit: 10; } .cls-1, .cls-2 { fill: none; stroke: #231f20; stroke-width: 2px; } .cls-2 { stroke-linecap: round; stroke-linejoin: round; } ### Member support 98% of non-investigated claims are paid within 14 days and 97% first call resolution3 ## Additional benefits ### Plans available with: - Children’s orthodontic coverage - Preventive Incentive (preventive services not applied to annual maximum) - Implant coverage ### Jr. Dental 100% coverage for dependent children 12 and under with no deductible or annual plan maximum on all covered services.4 - Three cleanings per calendar year - Fluoride treatment covered up to age 19 ### Easy billing One carrier for medical, dental and vision coverage. - Single system platform for integrated billing - Online account with optional e-billing ### Compatibility Compatible with Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs). ## Plan options ### Freedom plans **Flexible and comprehensive** Freedom Enhanced plans are our top-selling plans. These plans include the benefits listed under the Preferred plans but offer equal coinsurance for dentists who are in network and out of network. Preventive Incentive5 is an option. ### View Freedom plan options #### 2026 - [2026 Freedom Enhanced Plan $1000 annual maximum ](https://bluecrossmn.widen.net/content/09jqr6rqqh/original/dfm23201-2026-freedom-enhanced-1000-annual-maximum.pdf "dfm23201-2026-freedom-enhanced-1000-annual-maximum.pdf") - [2026 Freedom Enhanced 100/80/50 with $1,500 annual maximum ](https://bluecrossmn.widen.net/content/wiusfcx3m5/original/dfm23202-2026-freedom-enhanced-100_80_50-1500-annual-maximum.pdf "dfm23202-2026-freedom-enhanced-100_80_50-1500-annual-maximum.pdf") - [2026 Freedom Enhanced 100/80/50 with $1,500 annual maximum and orthodontics](https://bluecrossmn.widen.net/content/33hzajdigc/original/dfm23204-2026-freedom-enhanced-100_80_50-1500-annual-maximum-orthodontics.pdf "dfm23204-2026-freedom-enhanced-100_80_50-1500-annual-maximum-orthodontics.pdf") - [2026 Freedom Enhanced 100/100/50 with $1500 maximum](https://bluecrossmn.widen.net/content/t9ktdwxlmj/original/dfm25207-2026-freedom-enhanced-100_100_50-1500-annual-maximum.pdf "dfm25207-2026-freedom-enhanced-100_100_50-1500-annual-maximum.pdf") - [2026 Freedom Enhanced 100/100/50 with $1500 maximum with orthodontics](https://bluecrossmn.widen.net/content/9rtswdfbgb/original/dfm25208-2026-freedom-enhanced-100_100_50-1500-annual-maximum-orthodontics.pdf "dfm25208-2026-freedom-enhanced-100_100_50-1500-annual-maximum-orthodontics.pdf") - [2026 Freedom Enhanced Plan $1500 with dental implants](https://bluecrossmn.widen.net/content/d9qlwitvv8/original/dfm23205-2026-freedom-enhanced-1500-annual-maximum-dental-implants.pdf "dfm23205-2026-freedom-enhanced-1500-annual-maximum-dental-implants.pdf") - [2026 Freedom Enhanced Plan $1500 with orthodontics and dental implants](https://bluecrossmn.widen.net/content/qawb61hy4c/original/dfm23206-2026-freedom-enhanced-1500-annual-maximum-dental-implants-orthodontics.pdf "dfm23206-2026-freedom-enhanced-1500-annual-maximum-dental-implants-orthodontics.pdf") - [2026 Freedom Enhanced Plan $2000 with preventive incentive](https://bluecrossmn.widen.net/content/grerzzcajx/original/dfm23203-2026-freedom-enhanced-2000-annual-maximum-preventive-incentive.pdf "dfm23203-2026-freedom-enhanced-2000-annual-maximum-preventive-incentive.pdf") #### 2025 - [2025 Freedom Enhanced Plan $1000 annual maximum](https://bluecrossmn.widen.net/s/t7m5cd96pq/2025-dental-benefit-chart-small-group-freedom-enhanced-1000-m01863r06.pdf) - [2025 Freedom Enhanced 100/80/50 with $1,500 annual maximum](https://bluecrossmn.widen.net/s/mkqqkzlkxz/2025-dental-benefit-chart-small-group-freedom-enhanced-1500-m01870r06.pdf) - [2025 Freedom Enhanced 100/80/50 with $1,500 annual maximum and orthodontics](https://bluecrossmn.widen.net/s/rj6smhfzqk/2025-dental-benefit-chart-small-group-freedom-enhanced-1500-ortho-m00504r09.pdf) - [2025 Freedom Enhanced 100/100/50 with $1500 maximum](https://bluecrossmn.widen.net/s/khscdzhq5m/2025-dental-benefit-chart-small-group-freedom-enhanced-1500-max-m09036.pdf) - [2025 Freedom Enhanced 100/100/50 with $1500 maximum with orthodontics](https://bluecrossmn.widen.net/s/sb8wwtzhlr/2025-dental-benefit-chart-small-group-freedom-enhanced-1500-max-ortho-m09037.pdf) - [2025 Freedom Enhanced Plan $1500 with dental implants](https://bluecrossmn.widen.net/s/xn8ts2zjqm/2025-dental-benefit-chart-small-group-freedom-enhanced-1500-implants-m06159r03.pdf) - [2025 Freedom Enhanced Plan $1500 with orthodontics and dental implants](https://bluecrossmn.widen.net/s/sk97w8bglx/2025-dental-benefit-chart-small-group-freedom-enhanced-1500-implants-ortho-m06160r03.pdf) - [2025 Freedom Enhanced Plan $2000 with preventive incentive](https://bluecrossmn.widen.net/s/qwb7qgcmwr/2025-dental-benefit-chart-small-group-freedom-enhanced-2000-preventive-incentive-m05590r05.pdf) ### Value plan **The lowest-cost option** A great choice for employers who want the lowest-cost plan. This plan provides full coverage for important preventive and diagnostic procedures, and coverage for other basic services like exams, cleanings, fluoride treatments, X-rays, sealants and fillings. ### View Value plan options [2026 Value Premium Plan $1000 annual max benefits](https://bluecrossmn.widen.net/content/arb1mmwjce/original/dvm23001-2026-value-premium-1000-annual-maximum.pdf "dvm23001-2026-value-premium-1000-annual-maximum.pdf") [2025 Value Premium Plan $1000 annual max benefits](https://bluecrossmn.widen.net/s/dcgmwbdrqb/2025-dental-benefit-chart-small-group-value-premium-1000-m00505r08.pdf) ### Preferred plans **Affordable, traditional plans** These comprehensive plans drive savings by encouraging members to see a network provider. Members pay less for services like general anesthesia, repairs, and simple and complex oral surgeries when they see a provider in their plan’s network. ### View Preferred plan options #### 2026 - [2026 Preferred Plan $1000 annual maximum benefit highlights](https://bluecrossmn.widen.net/content/d3nd6gvj08/original/dpm23101-2026-preferred-1000-annual-maximum.pdf "dpm23101-2026-preferred-1000-annual-maximum.pdf") - [2026 Preferred Plan $1500 annual maximum benefit highlights](https://bluecrossmn.widen.net/content/detw8xldd5/original/dpm23102-2026-preferred-1500-annual-maximum.pdf "dpm23102-2026-preferred-1500-annual-maximum.pdf") - [2026 Preferred Plan $1500 with orthodontics benefit highlights](https://bluecrossmn.widen.net/content/xitggjbyz7/original/dpm23103-2026-preferred-1500-annual-maximum-orthodontics.pdf "dpm23103-2026-preferred-1500-annual-maximum-orthodontics.pdf") #### 2025 - [2025 Preferred Plan $1000 annual maximum benefit highlights](https://bluecrossmn.widen.net/s/6vkpkd2xrf/2025-dental-benefit-chart-small-group-preferred-plan-1000-m05591r04.pdf) - [2025 Preferred Plan $1500 annual maximum benefit highlights](https://bluecrossmn.widen.net/s/sr98wkgpcn/2025-dental-benefit-chart-small-group-preferred-plan-1500-m00503r09.pdf) - [2025 Preferred Plan $1500 with orthodontics benefit highlights](https://bluecrossmn.widen.net/s/vhx2pwz25f/2025-dental-benefit-chart-small-group-preferred-plan-1500-ortho-m01869r06.pdf) ## Support and resources ![Adult shaking hands with another person.](/sites/default/files/styles/3x2_third/public/d15ef8d9-6484-40fe-aef2-c2cee2030917.jpg.webp?itok=N1xCmBHn) ### Work with an agent An agent can guide you through the entire decision-making process, helping you find the best plan for your needs. [Why work with an agent?](/our-plans/blue-cross-advisors/why-work-health-insurance-agent "Why work with a health insurance agent?") [Find an agent](https://agentfinder.bluecrossmn.com/) SVG .cls-1, .cls-2 { fill: none; stroke: #231f20; stroke-miterlimit: 10; stroke-width: 2px; } .cls-2 { stroke-linecap: square; } ### Small group medical plans Whether you’re looking for a traditional plan design or options that maximize savings through cost sharing or more focused networks, we offer a variety of health plans to choose from. [View medical plans](/employers/small-group-health-plans) SVG .cls-1, .cls-2, .cls-3 { fill: none; stroke: #231f20; stroke-width: 2px; } .cls-2, .cls-3 { stroke-miterlimit: 10; } .cls-3 { stroke-linecap: square; } ### Small group vision plans You can choose a Blue Cross vision plan with frequencies and benefit levels that best meet your employees' needs and your budget. [View vision plans](/employers/small-group-health-plans/small-group-vision-plans) 1As of April 2025 2Internal claims data, 2025 3United Concordia Dental, 2023 4Orthodontic care is excluded. Standard plan limitations apply. Out-of-network services may be subject to balance billing. 5With Preventive Incentive, preventive services do not count toward a member’s annual maximum. This encourages members to receive important preventive services and to use benefit dollars for future restorative services. Note: Blue Cross Dental plans offer coverage for pediatric services, however the plans do not meet the minimum essential health benefit requirements for Pediatric Dental as required under the Affordable Care Act. United Concordia Companies, Inc. is an independent company providing dental benefit management services and access to the Advantage Plus AXS network.