Dental Coverage for Broomfield County Families
One of Colorado's smallest counties by area, Broomfield is built around corporate campuses and tech firms, but a significant share of its workforce consists of contractors and consultants who buy dental and vision coverage on their own.
For a family, the rules differ for the kids and the parents. Adult dental care isn’t an essential health benefit under the ACA, so a health plan in Colorado doesn’t have to include it. Whatever health plan you pick through Connect for Health Colorado, adult dental coverage is a separate decision in Broomfield County.
Adult Dental vs. Pediatric Dental in Broomfield County
Dental care is an essential health benefit for children, so with Marketplace coverage, dental must be available for anyone 18 or younger, either in the health plan or as a separate dental plan. Parents get no such guarantee. Check what your Connect for Health Colorado plan already includes for the children before you buy a separate plan for them.
A family dental plan covers each enrolled person under one policy, with the same preventive, basic and major classes of care as an individual plan. Deductibles usually apply per person with a family cap: $50 a person up to $150 a family on SecureDental PLUS.
Choosing a Family Dental Plan in Broomfield County
No website can reliably tell you which dentists in Broomfield County take a particular plan. Offices join and leave networks, so search the plan’s provider directory by the family’s dentists’ name and ZIP code, then call the office to confirm.
Orthodontia is where family plans differ most. Many exclude braces or cover them only on higher tiers; SecureDental PLUS covers orthodontia only on its Premium tier, at 70% after a 12-month wait, up to $500 a year and $1,500 lifetime.
Check waiting periods before you buy. HealthCare.gov notes that separate dental plans can have waiting periods before they cover services for adults; on SecureDental PLUS, basic care waits 1 month and major care and orthodontia 12 months, while cleanings have no wait.
Know where the line sits: a dental plan covers care in a dentist’s chair, while an emergency department visit for a dental abscess or a jaw injury is a health insurance claim. In Broomfield County, Medicare’s hospital directory lists one hospital with emergency services: Centura Health-St. Anthony North Health Campus.
Call (713) 575-9904 and Daniel will send the dental plans sold in Broomfield County and check your family’s providers against each network.