Dental Insurance in North Carolina – Guide to Coverage & Options
Why having dental coverage matters
Dental care is essential to overall health, yet many North Carolinians go without coverage until faced with a costly procedure. Having dental insurance in North Carolina helps pay for preventive care, fillings, crowns, and other treatments that keep your smile healthy and your expenses predictable. At Security Plus Inc., we help individuals, families, and seniors across Charlotte, Cornelius, and the Lake Norman region find plans that fit both their needs and budgets.
Understanding the different types of dental plans
Most dental plans in NC come in two formats:
- PPO (Preferred Provider Organization) – lets you see any dentist, but offers the best benefits with in-network providers.
- DHMO (Dental Health Maintenance Organization) – uses a specific network and often features lower premiums and copays.
Blue Cross Blue Shield of North Carolina and other regional carriers offer PPO plans accepted by many Charlotte-area dental offices. Security Plus Inc. helps you compare these structures and confirm whether your current dentist participates.
What dental insurance usually covers
Most NC dental policies follow a 100/80/50 model:
- 100% for preventive care (cleanings, X-rays, exams)
- 80% for basic services (fillings, extractions)
- 50% for major services (crowns, dentures, bridges)
Plans typically include two cleanings per year, a small deductible, and an annual maximum between $1,000 and $1,500. Many carriers waive waiting periods for preventive care so coverage begins right away.
To learn how dental insurance and medical plans differ, visit our Medicare Insurance Plans page for details on how seniors can combine health and dental coverage.
Typical costs for individuals and families
On average, affordable dental insurance in Charlotte costs between $25 and $40 per month for an individual, with family plans available at a discounted rate per person. Preventive services are often covered in full, making it easy to stay current on cleanings. For those anticipating more extensive work, plans with higher annual maximums can help manage costs over time. Security Plus Inc. reviews your dentist preferences, expected dental needs, and budget to match you with the right policy.
Dental insurance for seniors in North Carolina
Medicare doesn’t cover routine dental care, which often surprises new retirees. Many Medicare Advantage plans offer built-in dental benefits, while those with Original Medicare can choose a separate dental policy. Our team helps seniors in the Charlotte and Lake Norman area compare Advantage options or add standalone plans so they can keep up with exams and treatments after age 65.