Plan overview

Plan options and features

Blue Cross and Blue Shield of Minnesota has a variety of plans to choose from to meet your health needs, household budget and personal preferences.

All plans cover preventive dental care, including exams and cleanings, at 100 percent when you see a dentist in the network.

Download the Decision Guide

2027

2026

Ease of having one carrier for medical, dental and vision coverage

Online account with optional e-billing

100% Coverage for in-network preventive services

No missing tooth clause

Dental plan benefits

In-network access to more than 2,300 in-network providers and more than 7,400 access points in Minnesota*

Large national network with access to over 340,000 in-network provider locations**

Dentists who provide discounts for non-covered services have a "$ave!" symbol next to their name

Compatible with Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs)

Dentist examining a child's mouth.

Jr. Dental coverage

  • 100% coverage for dependent children 12 and under with no deductible or annual plan maximum on all covered services
  • Fluoride treatment covered up to age 19 

Orthodontic care is excluded. Standard plan limitations apply. Out-of-network services may be subject to balance billing. 
 

Dental plan choices

Flexible plan options

Value plans: Your lowest-cost option

Cover preventive and diagnostic services with no waiting period. Offers discounts for services not covered under the plan when using an in-network provider.

Preferred plan: Affordable, traditional plan

Provides greater coverage for many common dental services when using an in-network dentist.

Freedom plans: Flexible and comprehensive

Broadest range of coverage and benefits. Great if you’re looking for the most comprehensive benefits.

Support and resources

Need help finding a plan or enrolling?

You can enroll in a dental plan any time. It’s quick and easy. Coverage generally starts the first of the month after we receive your application and payment.

You don't need to have Blue Cross health insurance to enroll in one of the Blue Cross Dental plans. Dental plans can be purchased by anyone age 18 or over.

Other coverage

Medical plans

Individual and family health plans for Minnesotans are based on where you live. Each plan has a network of covered health care providers in your area.

Learn more about medical plans

Vision plans

Blue Cross vision plans offer savings on eyewear and some cover eye exams.

Learn more about vision plans

*As of April 2026

**United Concordia Dental internal research and reports, July 2026

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. To find Pediatric Exchange certified dental plans, visit MNsure.

United Concordia Companies, Inc. is an independent company providing dental benefit management services and access to the Advantage Plus 2.0 national network.