Paul Sanchez
Colorado residents have a variety of options when it comes to dental insurance, with several companies offering packages at reasonable rates. Medical insurance plans in Colorado do not always include dental coverage, but stand-alone dental plans are available for purchase. Colorado also has a state-run health insurance marketplace called Connect for Health Colorado, which offers certified individual/family dental plans and small-group dental plans. Medicaid-enrolled adults in Colorado are eligible to receive comprehensive dental services up to $1,500 per year.
| Characteristics | Values |
|---|---|
| Dental coverage in medical insurance | Not all insurers include dental coverage with their health plans |
| Stand-alone dental plans | Available for purchase for both adults and children |
| Premium range for adults | $0 to $232 per month |
| Average monthly premium for a stand-alone family dental plan in 2023 | $59.01 |
| Health First Colorado | Colorado's Medicaid program |
| Connect for Health Colorado | Colorado's health care insurance marketplace for individuals and small groups |
| Anthem | Offers dental insurance plans for individuals and families in Colorado |
| Cigna | Offers dental insurance plans for as low as $20 a month |
| Delta Dental | Offers individual and family dental plans through Connect for Health Colorado |
| Pediatric dental benefits | No limit on how much the plan will pay |
| Dental discount plans | Not insurance but can offer discounted rates at participating dentists |
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What You'll Learn
Colorado's Medicaid program
Historically, Health First Colorado has covered dental services for children but not for adults. However, as of July 1, 2023, adult members can receive dental services with no annual limit. This expansion of benefits is due to the understanding that a lack of preventive dental coverage can contribute to serious health complications and drive up costs for both emergency and medical services.
Health First Colorado has partnered with DentaQuest to help members find a dentist and manage their dental benefits. DentaQuest provides a customer service center that operates Monday through Friday from 8 am to 5 pm Mountain Time. They can be reached at 1-855-225-1729, TTY: 711, or through their website, DentaQuest.com.
In addition to Health First Colorado, there are other options for dental coverage in Colorado. Stand-alone dental plans are available for purchase that cover both adults and children. These plans can be purchased directly from dental insurers or through the state-run health insurance marketplace, Connect for Health Colorado. Open enrollment for dental plans typically runs from November 1 to January 15.
It is important to note that not all medical plans offered through the Colorado exchange include dental coverage, and separate dental insurance may be necessary to ensure comprehensive care.
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Stand-alone dental plans
The cost of stand-alone dental plans in Colorado varies, with premiums ranging from $0 to $232 per month for adults purchasing their own coverage through the exchange. The average monthly premium for a stand-alone family dental plan sold in Colorado in 2023 was $59.01. Some stand-alone dental plans, such as those offered by Anthem, cover cleanings, exams, and X-rays at 100% with no waiting period when you visit a dentist in their network. Additionally, Anthem offers digital tools such as "Ask a Hygienist," a "Dental Cost Estimator," and a "Dental Health Assessment" through their SydneySM Health app.
It is important to note that stand-alone dental plans are not subject to the Affordable Care Act's (ACA) essential health benefit rules for pediatric dental coverage. However, they are regulated by the Colorado Division of Insurance. If you are considering purchasing a stand-alone dental plan, it is recommended to shop around and compare the different plans available to find one that best suits your needs and budget.
For those enrolled in Medicaid in Colorado (Health First Colorado), dental services are covered as a program benefit. Adults enrolled in Health First Colorado are eligible to receive comprehensive dental services up to $1,500 per year. Health First Colorado has partnered with DentaQuest to help members find a dentist and manage their dental benefits. Members will receive a welcome packet with information about their dental coverage and how to use their benefits.
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Dental insurance providers
Colorado has a state-run health insurance marketplace called Connect for Health Colorado, which offers certified individual, family, and small-group dental plans. Delta Dental is one of the providers that offer individual and family plans, as well as small business dental plans, through Connect for Health Colorado. Delta Dental is a nonprofit with a mission to improve the oral health of the communities it serves. It provides innovative plans, a large dentist network, and expert customer service to make dental care accessible, affordable, and simple.
Anthem is another dental insurance provider in Colorado. It offers individual and family dental insurance plans, including $0 diagnostic and preventive care, such as regular dental cleanings, exams, and X-rays, with no waiting period. Anthem has been in the business of championing Colorado's preventive and whole health since 1938.
Solstice is another dental insurance provider that offers high-touch customer service and a multitude of resources to guide members through their oral health journey.
Health First Colorado, the state's Medicaid program, also provides dental benefits to its members. It has partnered with DentaQuest to help members find a dentist and manage their dental benefits. Adults enrolled in Medicaid in Colorado are eligible to receive comprehensive dental services up to $1,500 per year.
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Dental coverage for children
Colorado has a state-run health insurance marketplace named Connect for Health Colorado, which offers certified individual/family dental plans, as well as small-group dental plans. Stand-alone dental plans are available for purchase that cover both adults and children.
Health First Colorado, the state's Medicaid program, provides comprehensive dental services for members aged 20 and under. Children enrolled in Health First Colorado are entitled to preventive services, including exams, cleanings, x-rays, sealants, space maintainers, and fluoride treatments. Restorative procedures such as amalgam and tooth-coloured fillings, crowns, root canals, and gum and oral surgery procedures are also available to children under 21. On certain procedures, the dentist must receive approval from Health First Colorado before providing these services. Orthodontic benefits (braces) may be available in the case of a child with a severe bite problem.
Child Health Plan Plus (CHP+) is Colorado's CHIP program, providing dental coverage of up to $1,000 per benefit year to children and pregnant women with income above the eligibility limits for Medicaid. CHP+ Prenatal women will not be charged co-payments for dental services. There are no fees for diagnostics and preventive services.
Delta Dental offers individual and family plans through Connect for Health Colorado. Anthem is another provider that offers dental coverage in Colorado, with $0 diagnostic and preventive care, including regular dental cleanings, exams, and x-rays, with no waiting period.
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Dental insurance for families
Colorado has a state-run health insurance marketplace called Connect for Health Colorado, which offers individual/family dental plans and small-group dental plans. These stand-alone dental plans are available for purchase if your medical plan does not include dental coverage.
The average monthly premium for a stand-alone family dental plan sold in Colorado in 2023 was $59.01. However, premiums can range from $0 to $232 per month for adults who purchase their own stand-alone or family dental coverage through the exchange. If you are purchasing coverage through Connect for Health Colorado, the premiums associated with pediatric dental coverage may be offset by premium tax credits.
Delta Dental offers Individual, Family, and Small Business dental plans through Connect for Health Colorado. Solstice is another dental insurance provider that offers high-touch customer service and a multitude of resources to guide you through your oral health journey.
If you are enrolled in Medicaid in Colorado (Health First Colorado), you are eligible to receive comprehensive dental services. Health First Colorado has partnered with DentaQuest to help members find a dentist and manage their dental benefits. Adults enrolled in Health First Colorado can receive dental services with no annual limit.
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Frequently asked questions
It depends on the insurance provider and the type of plan you choose. Some medical insurance plans in Colorado include dental coverage, while others do not. Stand-alone dental plans are also available for purchase separately.
Some providers of dental insurance in Colorado include Anthem, Delta Dental, Cigna, and Smart Health Dental (SHD).
Dental insurance typically covers preventive care such as regular cleanings, exams, and X-rays. Some plans may also cover more complex procedures like fillings, crowns, and root canals.
When choosing a dental insurance plan, it's important to review the coverage carefully to understand what is included and what you will need to pay for. Consider your specific needs, such as whether you already have a preferred dentist, and compare different plans to find one that offers the best coverage for your requirements.
