BCBSTX Dental Plans

Compare 2026 BCBSTX dental insurance plans for Texas residents - Dental Indemnity USA coverage with day-one preventive care, no deductible for cleanings and check-ups, and a Texas-statewide network of participating dentists. BCBSTX dental is available as an add-on when you enroll in a BCBSTX health plan during Open Enrollment or a Special Enrollment Period.

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Important: You won't be able to enroll in a BCBS dental plan unless you're ALSO currently signing up for a health plan during a Special Enrollment Period. Check out your other Texas dental options here. BCBSTX dental plans are generally available when you enroll in a BCBSTX health plan during Open Enrollment or after a qualifying life event. If you need standalone dental coverage or faster year-round enrollment, compare Ameritas Dental, Delta Dental, Humana Dental, Renaissance Dental, and Mutual of Omaha Dental. 

BlueCross BlueShield of Texas Dental Plan

With the BCBSTX dental plans, you'll get dental coverage on day one with no deductible required for check-ups, cleanings and other preventive services. Most important, costs are typically reduced when you receive care from any BCBSTX participating network dentists. However, you also have the option to see any dentist not in the network, but your out-of-pocket costs may be higher. Some highlights of coverage:

  • All plans cover preventive basics (checkups, cleanings, basic X-rays) - some at 100% in-network depending on the plan.

  • Plans vary by deductible, coinsurance, waiting periods, and annual max (not applicable for kids under 19).

  • Major work (restorative, oral surgery, prosthodontics, etc.) may have waiting periods up to 12 months.

  • Orthodontics covered at 50% for kids up to age 19.

  • Wide range of price points - new 1D plan is the lowest cost option.

  • Monthly rates differ based on county region in Texas and household type (individual, spouse, kids, family).

  • For more information on coverage and benefits, view the Dental Brochure

Eligibility Requirements

You must enroll in a BCBSTX health plan in order to enroll in the dental plan. You have up to 31 days from the effective date of your policy to enroll. All members on that health plan must be enrolled in Dental Indemnity USA. Once your dental plan is dropped for any reason, you cannot re-enroll unless you reapply for a new health insurance plan. There are three ways to enroll in BlueCare Dental PPO:

  • Select ‘YES’ next to the Dental option when you apply online for any qualifying Blue Cross and Blue Shield of Texas health plan.
  • Download a paper application and email to help@ihealthagents.com or fax to 847-220-9280.
  • Call us at (972) 666-0578
2026 BlueCare Dental 1A3 BlueCare Dental 4 Kids 1A BlueCare Dental 1B3 BlueCare Dental 4 Kids 1B BlueCare Dental 1C BlueCare Dental 1D
In Network
Individual Deductible
(Family deductible = 3x individual)		 $25 $25 $50 $50 $50 $50
Annual Maximum $1,5004 N/A $1,0004 N/A $1,0004 $1,0004
Diagnostic Evaluations No charge5 No charge5 No charge5 20%5 20%5 No charge5
Preventive No charge5 No charge5 No charge5 20%5 20%5 No charge5
Diagnostic Radiographs No charge5 No charge5 No charge5 20%5 20%5 No charge5
Miscellaneous Preventive Services 20% 20% No charge 20% 20% No charge
Basic Restorative 20% 20% 40% 50% 50%6 50%6
Non-Surgical Extractions 20% 20% 40% 50% 50%6 50%6
Non-Surgical Periodontal 20% 20% 40% 50% 50%6 50%6
Adjunctive Services 20% 20% 40% 50% 50%6 50%6
Endodontics 20% 20% 50% 50% 50%6 Not Covered
Oral Surgery 20% 20% 50% 50% 50%6 Not Covered
Surgical Periodontal 20%7 20%7 50%7 50%7 50%7 Not Covered
Major Restorative 50%7 50%7 50%7 50%7 50%7 Not Covered
Prosthodontics 50%7 50%7 50%7 50%7 50%7 Not Covered
Misc. Restorative & Prosthodontics Services 50%7 50%7 50%7 50%7 50%7 Not Covered
Orthodontics8 (up to age 19) 50%5 50%5 50%5 50%5 50%5 50%5
Out-of-Pocket Maximum $425/1 child
$850/2+ children		 $425/1 child
$850/2+ children		 $425/1 child
$850/2+ children		 $425/1 child
$850/2+ children		 $425/1 child
$850/2+ children		 $425/1 child
$850/2+ children
Monthly Rates for BlueCare Dental9
  BlueCare Dental 1A3 BlueCare Dental 4 Kids 1A BlueCare Dental 1B3 BlueCare Dental 4 Kids 1B BlueCare Dental 1C BlueCare Dental 1D
  Region 110 Region 211 Region 110 Region 211 Region 110 Region 211 Region 110 Region 211 Region 110 Region 211 Region 110 Region 211
Individual Member $37.92 $31.10 $45.41 $37.25 $24.15 $19.80 $25.82 $21.18 $17.59 $14.43 $14.95 $12.26
Member + Spouse $75.84 $62.20 N/A N/A $48.30 $39.60 N/A N/A $35.18 $28.86 $29.90 $24.52
Member + 1 Child $83.33 $68.35 N/A N/A $49.97 $40.98 N/A N/A $42.97 $35.24 $40.33 $33.07
Family* $212.07 $173.95 N/A N/A $125.76 $103.14 N/A N/A $111.32 $91.29 $106.04 $86.95

Rates and benefits shown reflect the 2026 plan year. Actual published rates and benefit details may vary - final figures are governed by the BCBSTX policy contract and certificate of benefits booklet.

* Includes insured, spouse, and three or more children 1. This document does not contain a complete listing of the exclusion, limitations and conditions that apply to the benefits shown. For full information refer to the member’s certificate of benefits booklet. 2. Annual maximum does not apply to members under age 21. 3. Rates subject to change. 4. Region 1 rates apply to members residing in the following counties: Archer, Austin, Bastrop, Brazoria, Caldwell, Chambers, Clay, Collin, Dallas, Delta, Denton, Ellis, Fort Bend, Galveston, Grayson, Harris, Hays, Hunt, Johnson, Kaufman, Liberty, Montgomery, Parker, Rockwall, San Jacinto, Tarrant, Travis, Waller, Wichita, Williamson and Wise. 5. Region 2 rates apply to all members residing in counties outside Region 1 6 Out of Pocket Maximum only applies to members under age 21. 7. The plans listed above refer to the following plans on your Outline of Coverage: 01 = 1A, 02 = 1B, 03 = 2A, 96 = 4 Kids 1A, 97 = 4 Kids 1B All benefits are based upon the Allowable Amount, which is the amount determined by BCBSTX as the maximum amount eligible for payment of benefits. A Contracting Dentist cannotbalance bill for charges in excess of the Allowable Amount. Benefits for services provided by a Non-Contracting Dentist will be based upon the same Allowable Amount, and it is likely that the Non-Contracting Dentist will balance bill for amounts above this, resulting in higher out-of-pocket expenses.
Ryan Kennelly authorized agent for Blue Cross and Blue Shield of Texas Blue Cross and Blue Shield of Texas: A Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association.