Dental Insurance

National Network of Providers

The State of Colorado offers two comprehensive, high-quality dental plan options from Delta Dental. 

  • Delta Dental Basic Plan

  • Delta Dental Basic Plus Plan

What You Can Expect

Basic and Major Services 

  • Basic services including semi-annual check-ups, x-rays, cleanings, and fluoride treatments for children. 

  • Major services including bridges, crowns, dentures and implants. 

100% Coverage For Your Preventive Care

  • Both dental plans pay 100% for preventive care when you use in-network dental providers, even if your maximum benefits have already been reached for the plan year. 

Lifetime Allowance for Orthodontics

The Basic Plus Plan with Delta Dental includes a lifetime allowance for orthodontic procedures. This includes all appliances, adjustments, insertion, removal and post-treatment stabilization (retention). Your maximum benefit is determined by the date you began orthodontic treatment. 

  • Orthodontic treatment plans that started on or before June 30, 2016 will be subject to a $2,000 lifetime orthodontic services maximum benefit. 

  • Orthodontic treatment plans that started on or after July 1, 2016 will be subject to a $3,000 lifetime orthodontic services maximum benefit. 

FY 2019-20 Information

Dental Plan Deductible Comparison
Deductible Delta Dental Basic Delta Dental Basic Plus
Employee Only $50
Family $150
Dental Plan Maximum Benefit Comparison
Maximum Benefit Delta Dental Basic Delta Dental Basic Plus
Annual Maximum $1,500 per person per plan year $3,000 per person, per plan year
Orthodontic Services Not applicable Per lifetime

Note: Amounts paid by DDCO for your Diagnostic and Preventative Services do not count towards your Annual Maximum Benefit.

Dental Plan Service Reimbursement Comparison
Reimbursement Delta Dental Basic Delta Dental Basic Plus
Diagnostic & Preventative Services (semi-annual check-ups, x-rays, cleanings, and fluoride treatments) 100%
Basic Services 70% 80%
Major Services (bridges, crowns, dentures, and implants) 50% 50%
Orthodontics Not applicable
PPO Providers DDCO pays based on PPO allowable fee
Premier Providers DDCO pays based on maximum plan allowance
Non-Participating Providers DDCO pays based on a portion of PPO allowable fee

Note: Please refer to official plan documents for detailed information and listing of covered services.

Rates - Employee Monthly Contribution

Dental Plan Comparison of Employee Monthly Contributions
Employee Tier Delta Dental Basic Rates Delta Dental Basic Plus Rates
Employee Only $4.61 $19.78
Employee + Spouse $16.97 $47.27
Employee + Child(ren) $15.89 $47.69
Family $29.21 $76.18

Delta Dental Prevention First Program 

  • Prevention First Program applies to both the Basic and Basic Plus plans.
  • The Prevention First Program ensures eligible diagnostic and preventive services (e.g. exams, x-rays, cleanings, etc.) do not to count towards the annual maximum benefit. When you see an in-network Delta Dental provider you will always have your diagnostic and preventive services covered at 100% even if your annual maximum benefit has already been reached for the plan year.

More Information

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