When it comes to taking care of our health, dental care often gets overlooked. However, oral health is just as important as physical health, and neglecting it can lead to serious consequences. That’s why dental insurance is so important. In this article, we will explore dental insurance options in Colorado, and how you can protect your smile and your wallet.
Why Dental Insurance is Important
Dental care can be expensive, and without insurance, paying for services out of pocket can quickly become overwhelming. However, dental insurance allows you to receive the care you need without breaking the bank. Here are some of the benefits of having dental insurance:
- Lower out-of-pocket costs for dental services
- Access to preventative care that can lower the risk of more serious dental issues down the road
- Peace of mind knowing that you are covered in case of a dental emergency
Types of Dental Insurance
There are two main types of dental insurance: dental PPOs and dental HMOs. Here is how they differ:
Dental PPOs
A dental PPO is a type of dental insurance that allows you to see any dentist you choose. However, you may pay more out of pocket for seeing a dentist out of network. With a PPO, you pay a monthly premium, as well as a deductible and co-payment for each service. However, PPOs tend to offer more flexibility and choice when it comes to dental care.
Dental HMOs
A dental HMO is a type of dental insurance that requires you to choose a primary care dentist who will be responsible for all of your dental care. If you need to see a specialist, your primary care dentist will refer you. With an HMO, you pay a monthly premium and a co-payment for each service. HMOs tend to be more affordable, but they offer less flexibility than PPOs.
Dental Insurance Options in Colorado
Colorado offers a variety of dental insurance options to fit different needs and budgets. Here are some of the options available:
Delta Dental
Delta Dental is one of the largest dental insurance providers in the country, and it offers coverage in Colorado. Delta Dental offers both PPO and HMO plans, and its plans cover a wide range of dental services. The company also offers a variety of discounts and incentives to members, such as discounts on vision care services.
Cigna
Cigna is another popular dental insurance provider that offers coverage in Colorado. Cigna offers both PPO and HMO plans, and its plans cover a range of dental services, including preventative care, restorative care, and orthodontic care. The company also offers a dental savings plan for those who do not want to pay for traditional insurance.
MetLife
MetLife is a dental insurance provider that offers coverage in Colorado. The company offers both PPO and HMO plans, and its plans cover a variety of dental services, including preventative care, restorative care, and orthodontic care. MetLife also offers a variety of discounts and incentives to members, such as discounts on gym memberships.
Frequently Asked Questions
What does dental insurance cover?
Dental insurance typically covers preventative care services like cleanings and checkups, as well as restorative care services like fillings and root canals. Some plans also cover orthodontic care, such as braces or Invisalign. However, the specific services covered will vary depending on your plan.
How much does dental insurance cost?
The cost of dental insurance varies depending on the provider, the plan, and your specific needs. Generally, you can expect to pay a monthly premium, as well as a deductible and co-payment for each service.
Is dental insurance worth it?
Yes, dental insurance is worth it. Without insurance, paying for dental services out of pocket can quickly become overwhelming. Dental insurance allows you to receive the care you need without breaking the bank, and it can also help lower the risk of more serious dental issues down the road.
Can I keep my current dentist with dental insurance?
With a dental PPO, you can see any dentist you choose. However, with a dental HMO, you will need to choose a primary care dentist who will be responsible for all of your dental care. If you need to see a specialist, your primary care dentist will refer you.
Insurance Provider |
Plan Type |
Monthly Premium |
Co-Payment |
Delta Dental |
PPO |
$45 |
$25 |
Cigna |
HMO |
$30 |
$20 |
MetLife |
PPO |
$50 |
$30 |
Conclusion
Dental insurance is an important investment in your oral health and your overall well-being. With the variety of dental insurance options available in Colorado, there is sure to be a plan that fits your needs and budget. Take the time to research your options and choose a plan that will keep your smile healthy and your wallet happy.
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