Dental Coverage for Families in Delta County
Delta County in the North Fork Valley is Colorado's fruit-growing heartland — peach orchards, vineyards, and farming operations define the economy, and many agricultural workers and small-business owners buy dental coverage on their own.
Covering a household means covering two groups the ACA treats differently. Under the ACA, dental care is an essential health benefit for children but not for adults. Whatever health plan you pick through Connect for Health Colorado, adult dental coverage is a separate decision in Delta County.
What Family Dental Plans Cover in Delta County
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.
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.
Enrolling Your Family in Dental Coverage in Colorado
In Colorado the Marketplace is Connect for Health Colorado, which offers dental plans next to its health plans during Open Enrollment and special enrollment periods. Off the Marketplace, a stand-alone dental plan isn’t tied to Open Enrollment at all. Put your ZIP code in the form below and Daniel will pull the dental plans sold at that address.
If you already need a crown, the waiting period matters more than the premium. HealthCare.gov notes that separate dental plans can have waiting periods for adults, and SecureDental PLUS, for example, waits 12 months for major care and 1 month for basic care.
Serious dental emergencies, such as spreading infection or a broken jaw, are usually treated in a hospital and billed to health insurance rather than the dental plan. In Delta County, Medicare’s hospital directory lists one hospital with emergency services: Delta County Memorial Hospital.
Keep the category straight: dental insurance is an excepted benefit, not minimum essential coverage, so it sits alongside a health plan rather than replacing one.
Call (713) 575-9904 to compare family dental plans for your address in Delta County, with the network checked before you apply.