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Find the Best Dental Insurance in Denver, CO

Oral health is closely associated with overall health, so it’s important to get regular checkups and care for your teeth and gums. Dental insurance makes that easier by paying for most preventive care and contributing toward the cost of treatments and procedures. We researched the best dental insurance in Denver so you find benefits at an affordable price.

Compare Top Dental Insurance

  • Care at 15 - 60% lower prices
  • All dental conditions accepted
  • Unlimited annual use
  • Start saving today

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Services available in
Denver, CO
(800) 372-7615
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  • Calculate your savings online
  • Works with quality providers
  • Save 10 - 60% on most procedures
  • No caps or limits
Services available in
Denver, CO
(888) 632-5353
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How to choose dental insurance in Denver


According to the Colorado Health Institute, more than 7 in 10 people in Denver County have dental insurance, right around the national average. Most obtain coverage through an employer, and another sizable segment get it through a government program.

If you don’t have access to dental insurance through a job and don’t qualify for public assistance, you can buy stand-alone coverage.

There are three main types of dental insurance in Denver. Each pays for most, if not all, of preventive care visits, including the exams, cleanings and X-rays that keep your teeth and gums healthy and catch problems before they become complicated and expensive to treat. You can also consider a dental insurance alternative called a dental savings plan, which gives you discounts at participating providers.

Type of plan Features
Preferred provider organization (PPO) Most common type of plan; choose your dentist, but pay lower rates at an in-network provider; deductibles, copayments, coinsurance, annual maximum and waiting periods can apply
Health maintenance organization (HMO) Least expensive plan; only pays for services at an in-network dentist; policyholder makes copayments for each service
Indemnity Most expensive plan; choose any dentist; deductibles, copayments, coinsurance, annual maximum and waiting periods can apply
Dental savings Cheaper than insurance; membership includes discounts at in-network dentists; no cost-sharing (member pays 100 percent of the bill); no waiting period

When looking at insurance plans, pay attention to how different services are categorized and how that affects your share of the costs, whether it’s a copayment (a fixed amount per service) or coinsurance (a percentage of the cost of service). Note the deductible, or amount you owe out of pocket before coverage for nonpreventive care kicks in.

Many plans also have waiting periods before paying for nonroutine care. These ordinarily range from six to 12 months. An annual maximum of benefits is standard as well.

How much is dental insurance in Denver?

The cost of dental insurance in Denver depends on your age, whether you use tobacco and the level of coverage you buy.

An individual dental insurance plan for a 40-year-old who doesn’t smoke costs about $20 - $50 per month. For a family of four, expect to pay $80 - $170.

Dental savings plans start at around $100 per year for an individual and $150 - $200 per year for a family.

To choose the most cost-efficient plan, do your best to forecast personal dental needs over the course of the year. Read over the terms of plans carefully, including the exclusions and limitations. If you have questions about coverage, ask company representatives for clarification.

Dental Insurance Reviews


1Dental.com offers two dental savings plans in Denver. Activate a membership in less than five minutes and start saving 15 - 60 percent with no waiting periods. There are no restrictions for pre-existing conditions and no limits on annual use. 1Dental.com also includes a vision plan for members. Reviewers in Denver like the savings and recommend others join.



Over 1 million customers have usedDentalPlans.com benefits since 1999. Choose from over 20 dental savings plans in Denver, and start saving 10 - 60 percent immediately on services. There are no health restrictions or annual limits, and the company’s network includes over 100,000 dentists. Subscribers in Denver like DentalPlans.com’s customer-friendly policies, such as price-matching and being able to switch plans anytime.