FCL is a Dental Carrier Florida Blue owns that manages their Dental Benefits. They offer two different types of PPO Dental Policies, BlueDental Copayment & BlueDental Choice. The BlueDental Copayment Plans work on a copayment schedule, while the BlueDental Choice option works on a coinsurance schedule.

Dental Plan Applications with FCL must be submitted by the 15th of the month to be effective for the following month.

If you haven’t had any Dental Coverage in the last 60 days with over a year of coverage, then Adults have a 6-Month Wait Period on Basic & Major Services. Preventative Care (cleanings, x-rays, exams) can be completed immediately after activation of policy.

The Copayment PPO Dental Plans offer a Child Only Policy. Click HERE to view the Summary of Benefits for the FCL BlueDental Copayment Q Plan.

For Family Coverage, please click HERE to view the BlueDental Copayment QF Summary of Benefits.

If you already have a dentist, please click the image below to visit FCL’s Online Provider Directory to see if the location you visit participates in this network. In the Dropdown box labeled “Select Plan Name,” make sure you highlight the BlueDental Choice Copayment Network.

If you do not have a dentist, we can send you a list of ones in your area that are Accepting New Patients and participating in the Copayment Network once you have purchased this plan.

If you’re interested in purchasing one of FCL’s Dental Plans, please visit our contact page at the top or bottom of this page to set a Phone or Zoom appointment so we can answer any questions you may have and help you submit a Dental Application for enrollment.