Dental Coverage for Families in Phillips County
Holyoke anchors Phillips County's northeastern plains agricultural economy — dryland farming and feedlot operations employ many residents, who typically buy dental coverage on their own.
Families buy dental coverage for two different groups: children and adults. Health insurance and dental insurance are separate purchases for most adults, because adult dental isn’t an ACA essential health benefit. Phillips County residents shop for health plans on Connect for Health Colorado, and adult dental still has to be bought separately.
What Family Dental Plans Cover in Phillips County
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.
If braces are likely, read the orthodontia terms first: plenty of dental plans leave them out, and SecureDental PLUS limits them to the Premium tier, paying 70% after 12 months up to $500 a year and $1,500 over a 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. Use the ZIP code form below and Daniel will send you the dental options for your address.
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.
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. Haxtun Hospital District is one of the 2 hospitals with emergency services that Medicare lists in Phillips County; check which of them your health plan includes. Two of the county’s hospitals are critical access hospitals, the small rural facilities Medicare designates to keep emergency care close.
A stand-alone dental plan is an excepted benefit: it isn’t minimum essential coverage and doesn’t replace health insurance.
Call (713) 575-9904 and Daniel will price the dental plans available at your Phillips County ZIP code and check the network for your family.