Dental Insurance in Colorado: Everything You Need to Know

Are you a resident of Colorado and in need of dental insurance coverage? Look no further. In this article, we’ll provide you with all the information you need to know about dental insurance in Colorado. From types of coverage to the best insurance providers, you’ll find everything you need to make an informed decision about your dental health.

Types of Dental Insurance Coverage in Colorado

Before choosing a dental insurance provider, it’s important to understand the various types of coverage available.

1. Preventive Care

Preventive care coverage focuses on services that help keep your teeth healthy and prevent more serious dental problems. These typically include regular cleanings, X-rays, and check-ups. Preventive care is usually covered at 100% by dental insurance providers.

2. Basic Services

Basic services coverage includes services such as fillings, root canals, and extractions. These services are usually covered at a lower percentage by insurance providers than preventive care, typically around 70-80%.

3. Major Services

Major services coverage includes procedures such as crowns, bridges, and dentures. These services are typically covered at a lower percentage than either basic or preventive care, usually around 50%.

4. Orthodontic Coverage

Orthodontic coverage is not typically included in standard dental insurance plans, but can be added on as an additional coverage option. Orthodontic services such as braces or Invisalign are usually covered at a lower percentage than basic services, around 50%.

Best Dental Insurance Providers in Colorado

Now that you understand the different types of coverage available, let’s take a look at some of the best dental insurance providers in Colorado.

1. Delta Dental

Delta Dental is one of the most popular dental insurance providers in Colorado. They offer a variety of plans to fit different budgets and dental needs. Delta Dental also has a large network of dentists and specialists, making it easy to find an in-network provider.

2. MetLife Dental

MetLife Dental is another popular option for dental insurance in Colorado. They offer a variety of plans, including options for orthodontic coverage. MetLife also has a large network of dentists and specialists.

3. United Healthcare

United Healthcare is a great option for those looking for comprehensive dental coverage. They offer plans that cover preventive care, basic services, major services, and even orthodontic coverage.

4. Cigna Dental

Cigna Dental is another popular option for dental insurance in Colorado. They offer a large network of dentists and specialists, as well as a variety of different plans to fit different budgets and dental needs.

FAQs About Dental Insurance in Colorado

Still have questions about dental insurance in Colorado? Check out our FAQs below.

1. Is dental insurance required in Colorado?

No, dental insurance is not required in Colorado. However, many people choose to have dental insurance to help cover the cost of dental services.

2. Will my dental insurance cover orthodontics?

Orthodontic coverage is not typically included in standard dental insurance plans. However, many providers offer it as an added coverage option.

3. Can I use my dental insurance at any dental office?

It depends on your insurance provider and plan. Some providers have a large network of in-network dentists and specialists, while others allow you to use your insurance at any dental office. Make sure to check with your provider for specifics.

4. What if I need dental services that aren’t covered by my insurance?

If you need dental services that aren’t covered by your insurance, you’ll need to pay for them out-of-pocket. Some dental offices offer payment plans or financing options to help make the cost more manageable.

Conclusion

Choosing the right dental insurance provider and plan can be overwhelming, but it doesn’t have to be. By understanding the types of coverage available and researching the best providers in Colorado, you can find the right plan to fit your dental needs and budget. Remember to always read the fine print and ask questions before signing up for any insurance plan.