Colorado Dental Plan Comparison
We went ahead and compared our top-two dental providers in Colorado. Ameritas beat out Anthem generally, but Anthem does offer a wider range of options for Colorado families. Scroll down to see even more providers in Colorado.
- Ameritas
- Anthem Family Plans
- Anthem Family Value Plans
- Anthem Family Enhanced
- Prime Dental Plans
- United HealthOne
Our Rating: ★★★★★
Learn More Apply OnlineAmeritas is one of the nation’s leading providers of dental care services with 3.5 million insured members nationwide. If you’re looking for an individual dental PPO plan that offer similar benefits to a group dental plan, an Ameritas Dental Plan is for you. It provides coverage for everything an employer plan would – preventive care coverage for cleanings and X-rays, crowns, bridges, and fillings.
| Ameritas Dental Plans | ||||
|---|---|---|---|---|
| Plan Name | Advantage Network 1000 Plan | Advantage 1000 Plan | Advantage Plus 2000 Network Plan | Advantage Plus 2000 Plan |
| Apply | Apply | Apply | Apply | |
| Network | Designed for those who will utilize a Ameritas Dental Network provider | Freedom to use any dentist with the opportunity to utilize a Ameritas Dental Network provider for additional savings | Designed for those who will utilize a Ameritas Dental Network provider | Freedom to use any dentist with the opportunity to utilize a Ameritas Dental Network provider for additional savings |
| Maximum Benefit | $1,000 calendar year benefit | $1,000 calendar year benefit | $2,000 calendar year benefit | $2,000 calendar year benefit |
| Deductible | $50 | $50 | $50 | $50 |
| Waiting Periods | No | No | No | No |
| Enrollment Fees | No | No | No | No |
| PREVENTIVE SERVICES (type 1) | ||||
| Exams (2/year) | 100% | 100% | 100% | 100% |
| Cleanings (2/year) | 100% | 100% | 100% | 100% |
| Bitewing X-rays | 100% | 100% | 100% | 100% |
| Fluoride Treatments (under age 16) | 100% | 100% | 100% | 100% |
| Sealants (under age 16) | 100% | 100% | 100% | 100% |
| BASIC SERVICES (type 2) | ||||
| Fillings | Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
| Simple Extractions | Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
| MAJOR SERVICES (type 3) | ||||
| Oral Surgery | Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
| X-Rays (panoramic) | Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
| Endodontics | Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
| Periodontics | Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
| Crowns | Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
| Bridges | Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
| Dentures | Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 15% After Year 1 50% After Year 2+ 50% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
Plan Pays Day 1 50% After Year 1 80% After Year 2+ 80% |
| ORTHODONTICS | ||||
| Straightening of teeth (under age 19) Lifetime Maximum $1,000/child | Not Covered | Not Covered | Plan Pays Day 1 15% Plan Pays After Year 1 50% Plan Pays After Year 2+ 50% |
Plan Pays Day 1 15% Plan Pays After Year 1 50% Plan Pays After Year 2+ 50% |
Our Rating: ★☆☆☆☆ Learn More >> 
The percentage shown is the amount you pay for the service.
The percentage shown is the amount you pay for the service.
| Anthem Dental Family | ||
|---|---|---|
| (Dependents age 18 and younger) |
(Adults age 19+)
|
|
| In-network / Out-of-network |
In-network / Out-of-network
|
|
| Dental network | Dental Prime | Dental Prime |
| Deductible (per person, all services) | $50 | $50 |
| Annual maximum (per person) | None | $750 |
| Annual out-of-pocket limit | $350¹ / None | None |
| Diagnostic and preventive | No waiting period | No waiting period |
| Cleaning, exams, x-rays | 0%/ 30%coinsurance | 0%/ 50%coinsurance |
| Extra cleaning | Not covered | Not covered |
| Basic services | No waiting period |
6-month waiting period
|
| Fillings | 40%/ 50% coinsurance |
50%/ 75% coinsurance
|
| Brush biopsy | Not covered | Covered |
| Complex and major services | No waiting period |
12-month waiting period
|
| Endodontic/periodontic/oral surgery (root canal, scaling, tooth removal) | 50%/ 50% coinsurance3 |
70%/ 85% coinsurance
|
| Prosthetics (crowns, dentures, bridges) | 50%/ 50% coinsurance3 |
70%/ 85%coinsurance
|
| Medically necessary orthodontia | 50%/ 50% coinsurance | Not covered |
| Cosmetic orthondontia | Not covered | Not covered |
| International emergency dental program | Included | Included |
| Blue View Vision | Available | Available |
Our Rating: ★☆☆☆☆ Learn More >> The percentage shown is the amount you pay for the service.
The percentage shown is the amount you pay for the service.
| Anthem Dental Family Value | ||
|---|---|---|
| For Dependents age 18 and younger |
For Adults age 19+
|
|
| In-network / Out-of-network |
In-network / Out-of-network
|
|
| Dental network | Dental Prime | Dental Prime |
| Deductible (per person, all services) | $50 | $50 |
| Annual maximum (per person) | None | $750 |
| Annual out-of-pocket limit | $350¹ / None | None |
| Diagnostic and preventive | No waiting period | No waiting period |
| Cleaning, exams, x-rays | 0%/ 30% coinsurance | 0% / 50% coinsurance |
| Extra cleaning | Not covered | Not covered |
| Basic services | No waiting period |
6-month waiting period
|
| Fillings | 40%/ 50%coinsurance |
50%/ 75% coinsurance
|
| Brush biopsy | Not covered | Covered |
| Complex and major services | No waiting period | Not covered |
| Endodontic/periodontic/oral surgery (root canal, scaling, tooth removal) | 50%/ 50% coinsurance3 | Not covered |
| Prosthetics (crowns, dentures, bridges) | 50%/ 50% coinsurance3 | Not covered |
| Medically necessary orthodontia | 50%/ 50% coinsurance | Not covered |
| Cosmetic orthondontia | Not covered | Not covered |
| International emergency dental program | Included | Included |
| Blue View Vision | Available | Available |
Our Rating: ★★☆☆☆ Learn More >> The percentage shown is the amount you pay for the service.
The percentage shown is the amount you pay for the service.
| Anthem Dental Family Enhanced | ||
|---|---|---|
| (Dependents age 18 and younger) |
(Adults age 19+)
|
|
| In-network / Out-of-network |
In-network / Out-of-network
|
|
| Dental network | Dental Prime | Dental Prime |
| Deductible (per person, all services) | $25 | $50 |
| Annual maximum (per person) | None | $1,000 |
| Annual out-of-pocket limit | $350¹ / None | None |
| Diagnostic and preventive | No waiting period | No waiting period |
| Cleaning, exams, x-rays | 0% / 20% coinsurance |
0% / 50% coinsurance
|
| Extra cleaning | Not covered | Not covered |
| Basic services | No waiting period |
6-month waiting period
|
| Fillings | 20% / 40% coinsurance |
20% / 60% coinsurance
|
| Brush biopsy | Not covered | Covered |
| Complex and major services | No waiting period2 |
12-month waiting period
|
| Endodontic/periodontic/oral surgery (root canal, scaling, tooth removal) | 20% / 50% coinsurance |
50% / 75% coinsurance
|
| Prosthetics (crowns, dentures, bridges) | 50% / 50% coinsurance3 |
50% / 75% coinsurance
|
| Medically necessary orthodontia | 50% / 50% coinsurance | Not covered |
| Cosmetic orthondontia | 50% / 50% coinsurance4 | Not covered |
| International emergency dental program | Included | Included |
| Blue View Vision | Available | Available |
Our Rating: ★★★☆☆ Learn More >> The percentage shown is the amount you pay for the service.
| Dental Prime Plan A | Dental Prime Plan B | Dental Prime Plan C | |
|---|---|---|---|
| In-network / Out-of-network | In-network / Out-of-network |
In-network / Out-of-network
|
|
| Dental network | Dental Prime | Dental Prime | Dental Prime |
| Deductible (per person, all services) | None | $50 | $50 |
| Annual maximum (per person) | $500 | $1,000 | $1,250 |
| Annual out-of-pocket limit | None | None | None |
| Diagnostic and preventive | No waiting period | No waiting period | No waiting period |
| Cleaning, exams, x-rays | 0% / 0% coinsurance | 0% / 0% coinsurance | 0% / 0% coinsurance |
| Extra cleaning | 1 extra cleaning per year for those who are pregnant or diabetic | 1 extra cleaning per year for those who are pregnant or diabetic |
1 extra cleaning per year for those who are pregnant or diabetic
|
| Basic services | Not covered | 6-month waiting period |
6-month waiting period
|
| Fillings | Not covered | 20% / 20% coinsurance |
20% / 20% coinsurance
|
| Brush biopsy | Not covered | 20% / 20% coinsurance |
20% / 20% coinsurance
|
| Complex and major services | Not covered | 12-month waiting period |
12-month waiting period
|
| Endodontic/periodontic/oral surgery (root canal, scaling, tooth removal) | Not covered | 50% / 50% coinsurance |
50% / 50% coinsurance
|
| Prosthetics (crowns, dentures, bridges) | Not covered | Not covered |
50% / 50% coinsurance
|
| Medically necessary orthodontia | Not covered | Not covered | Not covered |
| Cosmetic orthondontia | Not covered | Not covered | Not covered |
| International emergency dental program | Included | Included | Included |
| Blue View Vision | Available | Available | Available |
UnitedHealthOne Dental Primary Plans (Golden Rule Insurance Company) offer individual dental PPO coverage in Colorado. Preventive care is covered from day one with no waiting period. Basic and major service benefits start after a 6-month waiting period and improve each policy year. Dental Primary Preferred Plus also pays benefits for out-of-network providers at the reasonable and customary rate.
| Plan Benefits | Dental Primary Preferred | Dental Primary Preferred Plus |
|---|---|---|
| Network | Best value with UnitedHealthOne network providers. Non-network billed at negotiated rate. | Use any dentist. Non-network providers paid at reasonable & customary rate. |
| Annual Maximum | $1,000 per person | $1,000 per person |
| Deductible | $50 per person (basic & major combined; family max 3 deductibles) | $50 per person (basic & major combined; family max 3 deductibles) |
| Waiting Periods | 6 months (basic & major) | 6 months (basic & major) |
| PREVENTIVE SERVICES (type 1) - No deductible - No waiting period | ||
| Exams (2/year) | 100% | 100% |
| Cleanings (2/year) | 100% | 100% |
| X-rays (bitewing and panoramic) | 100% | 100% |
| Fluoride Treatments (under age 16) | 100% | 100% |
| Sealants (under age 16) | 100% | 100% |
| BASIC SERVICES (type 2) - 6-month waiting period - After $50 deductible | ||
| Fillings (amalgam and composite) | Plan Pays After 6 Months 35% After Year 1 65% After Year 2+ 80% |
Plan Pays After 6 Months 35% After Year 1 65% After Year 2+ 80% |
| Simple Extractions | Plan Pays After 6 Months 35% After Year 1 65% After Year 2+ 80% |
Plan Pays After 6 Months 35% After Year 1 65% After Year 2+ 80% |
| MAJOR SERVICES (type 3) - 6-month waiting period - After $50 deductible | ||
| Root Canals (1x per tooth per lifetime) | Plan Pays After 6 Months 15% After Year 1 50% After Year 2+ 60% |
Plan Pays After 6 Months 15% After Year 1 50% After Year 2+ 60% |
| Crowns (1x per tooth per 60 months) | Plan Pays After 6 Months 15% After Year 1 50% After Year 2+ 60% |
Plan Pays After 6 Months 15% After Year 1 50% After Year 2+ 60% |
| Oral Surgery and Surgical Extractions | Plan Pays After 6 Months 15% After Year 1 50% After Year 2+ 60% |
Plan Pays After 6 Months 15% After Year 1 50% After Year 2+ 60% |
| Bridges (1x per 60 months) | Plan Pays After 6 Months 15% After Year 1 50% After Year 2+ 60% |
Plan Pays After 6 Months 15% After Year 1 50% After Year 2+ 60% |
| Full Dentures (1x per 60 months) | Plan Pays After 6 Months 15% After Year 1 50% After Year 2+ 60% |
Plan Pays After 6 Months 15% After Year 1 50% After Year 2+ 60% |
| ORTHODONTICS | ||
| Orthodontic treatment | Not Covered | Not Covered |
Underwritten by Golden Rule Insurance Company. Policy form GRI-DEN3-JR-05 (CO). To see pricing for your Colorado ZIP code, get a quote here.
Other Carriers
Spirit Dental & Vision
If you’re looking for a dental PPO plan where you can see any dentist you choose, provides coverage for preventive care such as cleanings and X-rays, crowns, bridges, and fillings, and has no waiting period, the Spirit Dental Plan is for you. Plus, there are no copayments for office visits and a $3,500 annual maximum plan with no waiting periods!
VSP Vision
The largest network of independent doctors. VSP vision insurance is accepted by more than 50,000 doctors nationwide.