Family Dental Insurance in Larimer County: What You Need to Know
Fort Collins and Colorado State University define Larimer County, a growing city with a thriving craft brewery industry and tech sector — CSU's large adjunct and student workforce, plus many self-employed residents, buy dental coverage on their own.
For a family, the rules differ for the kids and the parents. Health insurance and dental insurance are separate purchases for most adults, because adult dental isn’t an ACA essential health benefit. In Larimer County that means choosing a health plan on Connect for Health Colorado first and treating adult dental as its own purchase.
How Family Dental Plans Are Priced in Larimer County
SecureDental PLUS pricing is set by tier, network and state, not age: the Premium tier on the National Options PPO 30 network came to $44.63 a month for one adult in a Texas quote in August 2026. Add a $7.95 monthly association fee and a $10 one-time fee where the plan is issued through its sponsoring association.
Under a family dental plan, each person’s claims count against their own deductible until the family cap is reached ($50 per person and $150 per family on SecureDental PLUS), and preventive care generally skips the deductible.
Where to Use Family Dental Coverage in Larimer County
The only reliable network check is the plan’s own provider directory, followed by a call to the office. Dental practices in Larimer County move in and out of networks, so do it before you enroll rather than after.
Most stand-alone dental plans are PPOs or HMOs. A dental PPO pays toward any licensed dentist but pays more in-network; a dental HMO usually costs less but only pays its own network dentists. If you want to keep a dentist you already see in Larimer County, a PPO that includes the office is normally the better fit.
Connect for Health Colorado, the state-run exchange in Colorado, sells dental plans alongside its health plans during enrollment periods, and its rules decide whether dental can be added on its own. Outside the Marketplace there is no enrollment window for stand-alone dental, and coverage usually starts the first of the next month. Put your ZIP code in the form below and Daniel will pull the dental plans sold at that address.
A dental plan pays dentists, not emergency rooms. If a tooth infection or a facial injury takes you to an emergency department, that bill goes to your health insurance. Medicare’s hospital directory lists 5 hospitals with emergency services in Larimer County, including Banner Fort Collins Medical Center, Banner North Co Medical Center – Loveland Campus, Estes Park Medical Center and 2 others. One of the county’s hospitals is a critical access hospital, the small rural facilities Medicare designates to keep emergency care close.
Call (713) 575-9904 and Daniel will price the dental plans available at your Larimer County ZIP code and check the network for your family.