What Type of Dental Plan Do You Need?
We help you compare the three main types of dental insurance plans in Colorado:
- Dental PPO (DPPO): Most common for individuals. Offers flexibility in dentist choice and partial out-of-network coverage.
- Dental HMO (DHMO): Lower premiums but more restrictions on dentist networks. Best for those with a specific in-network provider list.
- Discount Dental Plans: Not insurance, but offer reduced rates with participating dentists. Best for short-term or budget-limited needs.
Have a preferred dentist in Aurora, Highlands Ranch, or Boulder? We’ll make sure your plan keeps them in-network when possible. Need pediatric dental coverage? We’ll advise whether to integrate it into your family dental plan or keep it separate.
What Do Dental Plans Typically Cover?
Most dental plans follow a predictable coverage structure:
- Preventive Care: 100% covered (cleanings, exams, X-rays—usually two per year)
- Basic Procedures: ~70–80% coverage (fillings, simple extractions)
- Major Procedures: ~50% coverage (crowns, root canals, bridges)
- Waiting Periods: Often apply to major procedures in the first 6–12 months
We’ll help you understand exactly what’s covered before you enroll—no surprises later.
How to Choose the Right Dental Plan for Your Needs
Everyone’s dental needs are different. That’s why we ask the right questions upfront:
- Do you already have a preferred dentist?
- Do you expect any major work in the next 6–12 months?
- Are you mostly focused on preventive care and cost control?
Based on your answers, we’ll build a side-by-side comparison of plans—including premiums, networks, and what’s covered—so you can choose confidently.
