## 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. [2026 Dental and vision decision guide — English](https://bluecrossmn.widen.net/content/fipxe1pmes/original/2026-individual-family-dental-vision-decision-guide-m01893r08.pdf "2026-individual-family-dental-vision-decision-guide-m01893r08.pdf") [2026 Dental and vision decision guide — Spanish](https://bluecrossmn.widen.net/content/60lmz5ljvn/original/2026-individual-family-dental-vision-decision-guide-spanish-m01893r08.pdf "2026-individual-family-dental-vision-decision-guide-spanish-m01893r08.pdf") SVG .cls-1 { fill: #231f20; } .cls-2, .cls-3 { fill: none; stroke: #231f20; stroke-miterlimit: 10; stroke-width: 2px; } .cls-3 { stroke-linecap: square; } ### Ease of having one carrier for medical, dental and vision coverage SVG .cls-1 { fill: none; stroke: #231f20; stroke-linecap: square; stroke-miterlimit: 10; stroke-width: 2px; } ### Online account with optional e-billing SVG .cls-1 { fill: none; stroke: #231f20; stroke-linecap: square; stroke-miterlimit: 10; stroke-width: 2px; } ### Online search tool for network dentists ## Dental plan benefits SVG .cls-1 { fill: none; stroke: #231f20; stroke-linejoin: round; stroke-width: 2px; } ### In-network access to dentists throughout Minnesota SVG .cls-1 { fill: none; stroke: #231f20; stroke-linejoin: round; stroke-width: 2px; } ### Large national network with access to over 330,000 in-network provider locations SVG .cls-1 { fill: none; stroke: #231f20; stroke-linejoin: round; stroke-width: 2px; } ### Dentists who provide discounts for non-covered services have a "$ave!" symbol next to their name SVG .cls-1 { fill: none; stroke: #231f20; stroke-linejoin: round; stroke-width: 2px; } ### Compatible with Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs) ![Dentist examining a child's mouth.](/sites/default/files/styles/3x2_third/public/e7a28078-6055-473d-be72-d5c965d72307.jpg.webp?itok=YC1hc-jv) ### 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 ## Choose from a range of options to fit your needs and budget [January — June 2026 plan rates](https://bluecrossmn.widen.net/content/0mnhj1oife/original/2026-blue-cross-mn-monthly-individual-dental-jan-jun-rates-508-f11103r12.pdf "2026-blue-cross-mn-monthly-individual-dental-jan-jun-rates-508-f11103r12.pdf") ### 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. [2026 Value benefit highlights](https://bluecrossmn.widen.net/content/bevdv66a15/original/m00550r08-blue-cross-dental-value-plans.pdf "m00550r08-blue-cross-dental-value-plans.pdf") ### Preferred plan **Affordable, traditional plan** Provides greater coverage for many common dental services when using an in-network dentist. [2026 Preferred benefit highlights](https://bluecrossmn.widen.net/content/tcnwxvkolv/original/m00549r08-blue-cross-dental-preferred-plan.pdf "m00549r08-blue-cross-dental-preferred-plan.pdf") ### Freedom plans **Flexible and comprehensive** Broadest range of coverage and benefits. Great if you’re looking for the most comprehensive benefits. [2026 Freedom benefit highlights](https://bluecrossmn.widen.net/content/pkewypjgde/original/m00548r08-blue-cross-dental-freedom-plans.pdf "m00548r08-blue-cross-dental-freedom-plans.pdf") ## 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. **Get help by phone** Call: **1-877-293-7040** **Get help from an Advisor** A Blue Cross Advisor will meet with you virtually to answer your questions. [Connect with an Advisor](/our-plans/blue-cross-advisors "Blue Cross Advisors") [Enroll in a dental plan today](/our-plans/ancillary-application) ## Other coverage SVG .cls-1, .cls-2 { fill: none; stroke: #231f20; stroke-miterlimit: 10; stroke-width: 2px; } .cls-2 { stroke-linecap: square; } ### 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](/our-plans/individual-family-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; } ### Vision plans Blue Cross vision plans offer savings on eyewear and some cover eye exams. [Learn more about vision plans](/our-plans/individual-family-health-plans/individuals-and-families-vision-plans) 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. To find Pediatric Exchange certified dental plans, [visit MNsure](https://www.mnsure.org/). United Concordia Companies, Inc. is an independent company providing dental benefit management services and access to the Advantage Plus 2.0 national network.