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Best Dental Insurance in Colorado: Review and Plan Comparison

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dental insurance colorado
Find the best dental insurance plans in Colorado

What is the best dental insurance in Colorado?

And how can you know what's worth paying extra for when there are so many options and features to choose from?

It's crucial to do your research before making a selection because the appropriate insurance may help you save a lot of money on your dental bills. We've combed through the best dental insurance plans available and put together this resource to help you get the best dental insurance in Colorado.

Some of the topics we'll cover in our guide are as follows:

  • Individual dental insurance
  • PPO vs. DHMO plans
  • Dental discount plans
  • Dental plans in Colorado with no waiting period
  • Dental and vision insurance
  • Health and dental insurance

We hope that after studying the many possibilities for affordable dental insurance in Colorado, you will be able to confidently select the best option for your needs.

Different types of dental insurance plans in Colorado

Individual dental insurance

Individual dental insurance and group health insurance for businesses function in the same way. The individual dental insurance and employer-sponsored dental insurance differ mostly in how they are acquired.

dental insurance colorado
Individual dental insurance plans in Colorado vs. dental savings program

PPO, DHMO, and dental discount plans

A dental discount plan is not a real dental insurance policy, but it may help you save money on dental services right away. In return for your monthly or annual premium, you get a preset discount on treatments from dentists in the insurer's network. You may also be eligible for free preventive and diagnostic treatments as part of your dental discount plan.

PPO plans have higher premiums, but they provide you with more flexibility by allowing you to choose from a larger network of dentists.

With a DHMO plan, you may be required to choose a single dentist to handle all of your treatments. These are the most affordable dental insurance plans in Colorado, but they come with fewer choices when it comes to selecting a dentist.

Health and dental insurance

Only a few health insurance companies cover both medical and dental needs. However, we discovered a few healthcare providers that offer a combination of health and dental insurance in Colorado.

Dental and vision insurance

Dental and vision insurance are common healthcare combinations in Colorado. This combination may help you save money each month since health insurance companies sometimes offer discounts if you purchase your dental and vision insurance in one location.

How to find the best dental insurance in Colorado?

When it comes to dental plans in Colorado, many consumers prioritize price as a deciding factor. But the overall cost-effectiveness of a dental plan is made up of a few different factors, as shown below:

colorado dental insurance no waiting period
Find dental insurance in Colorado with no waiting period

Waiting period

If you need dental treatment immediately and want to save money, look for Colorado dental insurance plans with no waiting period.

Cheap vs full-coverage

A low-cost dental insurance plan with a larger deductible and co-payments may be acceptable if your teeth are in very good condition. If you need a lot of treatments, however, it can be more cost-effective to pay a higher premium and have far more coverage.

Best dental insurance providers in Colorado

Many healthcare providers are offering dental insurance in Colorado. Below you'll find reviews of the most popular ones, so you can get a sense of what's there.

We'll offer a comparison table below in this post so you can quickly examine the data and choose which is the best dental insurance for your specific needs.

Delta Dental insurance plans
Delta Dental of Colorado

Delta Dental of Colorado

Delta Dental of Colorado offers five dental plans. All of these dental insurance plans get you access to the Delta Dental PPO Plus Premier Network. However, each of them is tailored to a particular budget and need.

Delta Dental Basic Plan:

The “Basic Plan” is the most affordable option offered by Delta Dental in Colorado. No deductible is charged, but there is a copayment of $15 for every office visit. The plan maximum is $1,000 per individual per year. Preventive care, fillings, and non-surgical extractions are fully covered.

Delta Dental Clear Plan:

Delta Dental Colorado’s Clear Plan doesn’t have a copayment like the dental plan mentioned before. This one also doesn’t have a deductible or annual maximum benefit.

humana dental
Humana dental insurance offers a wide variety of plans

Delta Dental Enhanced Plan:

This plan gives you 100% preventive coverage. The maximum annual plan dollar amount per individual is $1,000. The deductible for this Colorado Delta dental plan is $50 per person, but it does not apply to diagnostic or preventative procedures like cleanings and x-rays.

Delta Dental Premium Plan:

Similar to the previously mentioned Delta Dental insurance plan, this Delta Dental insurance plan of Colorado provides 100% preventive coverage and no copayment for office visits. However, it gives you a $2,000 annual maximum and a $100 per person lifetime deductible. Fillings and major services have a high level of coverage.

Delta Dental Progressive Plan:

During the first three years of this Delta Dental membership, your coverage increases while your out-of-pocket expenses for covered treatments drop! There are no waiting periods. A $50 deductible will be charged per person per plan year.

Anthem Blue Cross Blue Shield dental insurance
Anthem dental insurance in Colorado

Anthem dental insurance

Anthem Colorado has a great variety of dental plans available. Most of them are combined dental and vision insurance plans or health and dental insurance combinations. But some plans provide dental insurance only.

Anthem dental and vision insurance

Anthem

Dental Family Value

Anthem

Dental and Vision Insurance Basic

Anthem

Dental and Vision Insurance Classic

Deductible

$50 per person, up to $150 per family

$50 per person, up to $150 per family

$50 per person, up to $150 per family

Annual maximum

Pediatrics: Not Applicable

Adult: $750

$1,000 annual maximum (carryover)

$1,500 annual maximum (carryover)

Preventive care

100% covered in-network

100% covered in-network

100% covered in-network

Fillings

Covered 60% in-network, 50% out-of-network

Covered 50% in-network, 50% out-of-network

Covered 80% in-network, 60% out-of-network

Complex treatments

Covered 50% in-network, 50% out-of-network

Not covered

Covered 50% in-network, 50% out-of-network

Vision care

Not covered

Discounts on eye exams, eyeglasses, and contact lenses.

Discounts on eye exams, eyeglasses, and contact lenses.

Details correct at time of writing; check with insurer for current and complete policy details.

Humana Dental Colorado

Humana dental insurance offers two PPO plans in Colorado.

Humana’s Bright Plus dental plan

With this Humana dental insurance plan, preventive procedures, such as cleanings, exams, and x-rays, are covered at 100% in-network and 70% out-of-network with no waiting time. Fillings are covered 60% in-network and 30% out-of-network, with a three-month waiting period.

If you require major treatments, it’s a good idea to upgrade to the higher-priced Humana dental plan.

Humana of Colorado Loyalty Plus Plan

The Humana Loyalty Plus plan rewards loyal members with more benefits each year. These yearly increasing benefits include paying less out-of-pocket for treatments like fillings, crowns, and root canals, and an increase in the annual maximum.

Conclusion

Type of plans offered

Benefits and plan features

Delta Dental

PPO

Large network; Great variety of plans

Humana

PPO, DHMO

Various plans for different budgets and requirements; yearly increasing "loyalty benefits"

Anthem

PPO, Dental and vision insurance

Anthem Colorado offers great dental plans, but also a lot of combinations such as dental and vision insurance or health and dental plans

Details correct at time of writing; check with insurer for current and complete policy details.

It might be difficult to choose which dental insurance in Colorado provides the greatest value. You should read the terms carefully to understand and recognize what you're committing to.

If your teeth are in good condition and you just need preventive care and fillings, your best choice would be a cheaper dental insurance plan. For major and orthodontic treatment, a higher plan with full-coverage dental insurance is a better choice.

If you want to read about the best insurance option in any other state, please select from the list.

FAQ

What is the best dental insurance in Colorado?

The best dental insurance will be unique to each individual. There are a variety of alternatives available, ranging from more economical savings programs to specialized dental insurance for specific groups.

This includes insurance for seniors, self-employed dental insurance, dental insurance for veterans, supplemental dental insurance, special dental insurance for braces, and low-income dental insurance (Medicare/Medicaid). There is no such thing as a one-size-fits-all solution because it is dependent on your budget and requirements.

What dental insurance plans are available in my area?

We’ve sorted through the top dental insurance plans and checked their availability in Colorado's biggest cities, like Denver, Colorado Springs, or Aurora, CO. However, depending on your location there can be also different dental insurance providers available, such as Metlife, Cigna, Guardian, Ameritas, Nationwide, and Renaissance Dental.

Dentalinsurance.com can help you find the ideal dental insurance for your needs. By entering your ZIP code and date of birth, you can compare the best dental insurance plans in Colorado. Simply click the button below to get started.

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Contributors:
Natalie used to work as a Community Health Worker and Health Insurance Navigator. She continues to follow her passion for connecting people with the healthcare they need by writing informative content about dentistry and medicine.