Cost and benefit comparison of the best, most popular dental insurance plans in Colorado (current Q2 2013).
Benefit (COLORADO) | Cigna
Dental PPO 50
|
ANTHEM Blue Cross and Blue Shield
Dental PPO
|
Delta Dental | Delta Dental | Delta Dental |
Eligibility | Up to Age 65 – APPLY | Up to Age 64 – APPLY | APPLY | APPLY | APPLY |
Plan Type
|
INSURANCE | INSURANCE | DISCOUNT
(NOT INSURANCE)
|
INSURANCE | INSURANCE |
Plan Network | Nationwide over 73,000 dentists | Over 1,300 in Colorado | “Patient Direct”
One general dentist must be selected for the whole family and discounts are ONLY FOR general dentist
|
“PPO 2”
Can only see PPO in network D
|
PPO and Premier |
Out of network services | Preventative 80% no Ded
Basic 60% coinsurance
Major Restorative 40% coinsurance
|
Preventive $26.00
Basic $62-$96
Major Restorative $42 – $510
|
NO
|
NO | Preventative 90%
Basic 70%
Major Restorative 40%
|
Benefit Maximum | $1,000 | $1,000 | No maximums | $1,000 | $1,500 |
Deductibles | $50 Ind / $150 Fam | $50 Ind / $150 Fam | No Deductibles | $75 per person | $50 per person |
Preventative Care | 100% | 100% | Savings range
50% – 100%
|
100% | 100% |
Basic Services | 80% 6 month wait | 80% 6 month wait | Savings range
21 – 23%
|
70% 6 month wait | 80% PPO
6 month wait
|
Major Services | 50% 12 month wait | 50% 12 month wait | Savings range
50%-67%
|
TYPE A
30% 12 month wait
TYPE B
30% 24month
|
TYPE A
50% 12 month wait
TYPE B
50% 24 month
|
RATES
AGE 35 , 80237
|
$30.00 per member | $36.91 one member
Two adults – $73.82
Family one child – $95.85
|
$14.95
+ One = $25.25
+ Two = $36.25
|
$31.00
+ One = $57.00
+ Two = $79.0
|
$39.00
+ One = $73.00
+ Two = $102.0
|