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Health insurance is a top priority for most people, and a smart way to ensure you have the resources should you need medical care. But oral health is just as important—and a critical part of maintaining overall health and wellness. Dental insurance is a smart way to help pay some of the costs of preventive, minor, and even major dental care.
How Colorado Dental Insurance Works
Similar to a health insurance plan, dental insurance provides benefits with network discounts giving you reliable insurance coverage from highly respected companies. You pay a monthly premium for coverage, as well as an annual deductible. But, once you meet your deductible, your insurance pays a percentage of any dental work you receive.
With some plans, you may have to pay a copay at the time you receive treatment, or coinsurance (a percentage of covered charges ranging between 20 and 30 percent). Dental insurance is stand-alone coverage, meaning you do not need a major medical plan to buy a plan.
Typical Coverage You Can Expect
Dental insurance varies by carrier, but most offer similar benefits packages, or what is called “100 – 80 – 50” coverage. This means 100 percent of the cost of routine or preventive dental work is paid by the plan; 80 percent of the cost of basic services is paid by the plan, and 50 percent of the cost for major services is paid by the plan.
Typical Colorado Dental Insurance
- 100% coverage for preventive services
- 80% coverage for basic services (fillings, etc.)
- 50% coverage for major services (root canals etc.)
Most plans include full coverage for preventive care, like routine cleanings, x-rays and exams. Some plans also include coverage for fillings, root canals, crowns and more. However, specific benefits and out-of-pocket costs can vary, which is why it makes sense to compare plans to find one that best meets your needs.
Maximum Annual Benefits
Most coverage is limited by an “annual maximum” amount, ranging from $1000 to $1,500 per year. This is the most an insurance company will pay for your dental care in one year. With some plans, if you exceed your annual maximum in a 12-month period, you may still qualify for discounted services if you choose an in-network dentist.
Dental plans that provide services out-of-network are called “Indemnity” plans. With an indemnity plan, you are not limited to which dentist you use, and can still receive coverage, even if the dentist is not included in the network associated with your plan.
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