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 |
