Join Our Network

Florida Combined Life (FCL), an independent licensee of the Blue Cross and Blue Shield Association and an affiliate of Florida Blue, is pleased to announce the expansion of our statewide dental network. FCL is positioned to deliver world- class service to all our members and the dentists who care for their oral health. We provide dental coverage to over 375,000 Floridians with a full array of superior dental insurance products, through our BlueDental PPO plans; and dental networks for the medical plans with embedded dental benefits offered by Florida Blue

FCL also offers a Cosmetic Dental Discount Program that enables eligible members to obtain a 20% discount off the usual and customary rates of participating provider’s for cosmetic services that are not covered under their FCL dental plan. Participation in FCL’s PPO plan(s) is a pre-requisite for participation in the Cosmetic Dental Discount Program.

In addition, the Orthodontic Discount Program allows eligible members who do not have orthodontic benefits to receive a 20% discount off the usual and customary rates of orthodontists who participate in this program. Participation in FCL’s PPO plan(s) is a pre-requisite for participation in the Orthodontic Discount Program.

Dentists who choose to participate in FCL’s BlueDental Choice PPO network may also elect to participate in the Federal Employee Dental Program (FEP). There are more than 325,000 Federal employees in Florida who utilize dental services. The FEP Dental Program provides coverage primarily for preventive services with no coverage for major services. There are no deductibles or benefit period maximums. Members may be charged 100% of your usual and customary fee for all non-covered services.

We would like to invite you to join the more than 5000 highly qualified dentists who are currently participating in the Florida Combined Life dental network. Our goals are to provide to you and your staff with quality service, access to our growing membership, fast and accurate claims payments, and competitive reimbursement.

Florida Combined Life participating providers also benefit from:

  • My Patients Benefits – a secure web portal for PPO member eligibility, benefits, and claims history
  • Availity- a secure web portal for FEP member eligibility, benefits, and claims history
  • Communication updates through our quarterly newsletter, BlueDental Insight.
  • Total Health initiatives, our partnership with Florida Blue in exploring the link between better dental hygiene and overall health.

The process to join the network is simple, click on the link below to view the checklist, then download the Application, Agreement and W-9. Just complete the forms, sign the agreement and return them to Florida Combined Life at P.O. Box 45132, Jacksonville, FL 32232-9902.

We look forward to working with you and your staff. If you need additional information such as fee schedules, please e-mail us at or for questions, contact the Dental Network Manager for your area..

Dentist Application Forms