Dental Coverage for Families in Yuma County
Wray and Yuma anchor Yuma County's dryland farming economy on the eastern plains — an agricultural community where many working residents buy dental coverage on their own.
Covering a household means covering two groups the ACA treats differently. Adult dental care isn’t an essential health benefit under the ACA, so a health plan in Colorado doesn’t have to include it. In Yuma County that means choosing a health plan on Connect for Health Colorado first and treating adult dental as its own purchase.
What Family Dental Plans Cover in Yuma 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. Outside the Marketplace there is no enrollment window for stand-alone dental, and coverage usually starts the first of the next month. Enter your ZIP code in the form below and Daniel will send you the dental plans available where you live.
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. Medicare’s hospital directory lists 2 hospitals with emergency services in Yuma County, including Wray Community District Hospital and Yuma District Hospital. 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 Yuma County ZIP code and check the network for your family.