Dental Insurance – Castle Rock, CO

Helping You Save on Your Child’s Care

Friendly pediatric dental team member smiling at family

At Castle Rock Smiles Pediatric Dentistry, Dr. Benzley and the team are first and foremost dedicated to making sure your children have healthy smiles they’re proud to show. Hand-in-hand with that commitment is our willingness to help you, the parents and caregivers, afford the cost of pediatric dental care.

With this in mind, we are an in-network provider for most PPO plans, and we are also a Medicaid provider. In-network means that Dr. Benzley has negotiated a pre-determined fee for covered services. So once you’ve satisfied your annual deductible and paid your co-insurance charge, you pay nothing more. This can often greatly reduce your out-of-pocket expense.


Dental Insurance vs. Medical Insurance

Blocks spelling out Dental Plan

There are many differences between dental and medical insurance. However, one that stands out and is almost universal is the limitation on dental benefits that typically expire at the end of each calendar year. Therefore, Dr. Benzley encourages parents to schedule their children’s dental checkups and any other necessary dental treatment in a timely fashion in order to take full advantage of the benefits your insurance policy provides.

What Does Dental Insurance Cover?

Dental insurance coverage documents

Most dental insurance policies cover regular dental exams and cleanings every six months. Just like Dr. Benzley, the insurance companies know a checkup is an important preventive measure that can help your child avoid more complex and more expensive procedures. Likewise, your policy may entirely cover the cost of a filling in order to prevent the spread of tooth decay.

In addition to cleanings, exams and fillings, your dental insurance coverage may include annual digital x-rays, dental crowns, and root canal therapy. Other required restorative dentistry procedures may also be covered. You can check the details of your policy or call our office to help. We are quite familiar with the coverage offered by many dental insurance companies that our patients have.

What Doesn’t Dental Insurance Cover?

Friendly pediatric dental team member giving dentistry patient a balloon

Dental insurance usually does not cover any kind of cosmetic dentistry procedure. While we are primarily concerned about your child’s dental and oral health, we understand that the appearance of a smile can dramatically influence a youngster’s self-confidence. Therefore, Dr. Benzley always tries to maintain a natural looking smile. That’s why tooth-colored fillings and all-ceramic crowns are used whenever possible. These procedures are likely covered by your dental insurance. However, if your child has a tooth that is noticeably stained or discolored, we offer in-office teeth whitening. Although this is typically not covered, we’ll be happy to provide financing options so your child can have a completely white smile.

Our In-Network Dental Insurance Providers

Pediatric dental team member discussing dental insurance providers

The difference between in-network and out of network for dental insurance, in some cases, is not a big cost difference; in-network simply means Dr. Benzley pre-negotiated fees for particular services with the insurance company. Some out of network plans may have the same fee amount covered as the in-network plans; it is best to reach out to your provider about your specific plan to see what is covered out of network. For your convenience, Castle Rock Smiles is in-network with most PPO plans and is also a Medicaid provider. Below is a list of in-network insurance plans:

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  • Aetna Dental FEP
  • Aetna PPO
  • Aetna Vital Savings- 20% Discount Plan
  • Alliance
  • Allstate
  • Always Care Dental
  • Ameritas
  • Anthem Blue Cross Blue Shield PPO
  • Anthem Blue Cross Blue Shield Embedded Pediatric Dental Plan
  • Anthem Blue Cross Blue Shield FEP
  • APWU Health Plan
  • Assurant (Aetna)
  • Assurant Supplemental Dental Coverage
  • Beta Health- 20% Discount Plan
  • Bills Insurance
  • Bright Health
  • Care First Blue Choice Inc
  • Carrington Discount Plan- 20% Discount
  • Central States/Team Care
  • CHP+
  • Chesapeake Life Insurance
  • Cigna DPPO/Total
  • Cigna Dental- Colorado Individual Plan
  • Cigna DPPO Advantage- *Some plans are considered out of network. May result to higher deductible/co-insurance
  • CNIC Health Solutions
  • Cofinity
  • Companion Life
  • CoreSource
  • Coventry Health Care
  • Cypress Benefit
  • Dearborne National
  • Delta Dental of All States
  • Dental Select
  • DenteMax
  • EMI Health
  • EPSI- Confident
  • FEP Blue Dental
  • First Continental Life and Health
  • First Dental Health
  • Freedom Life Insurance
  • GEHA
  • Golden Rule
  • Guardian
  • Guardian / SOI Health Plan
  • Health Partners Dental
  • Humana
  • IHC Health Solutions
  • Iron Workers
  • Kaiser- Uses Delta Dental of Colorado
  • LifeWise Health Plan of OR
  • Lincoln Financial
  • Meritain Health
  • Met Life
  • Midwest Dental
  • MODA Health
  • Mutual of Omaha
  • Nationwide Insurance
  • ODS Companies
  • Prairie States Insurance
  • Premera Blue Cross of Washington
  • Principal Life Insurance
  • Regional Care Insurance
  • Reliance Standard
  • Renaissance- Connection Dental
  • Security Life
  • Simple Dental Insurance
  • Standard Insurance
  • Sun Life Financial
  • Sun Life Financial- Assurant Dental
  • Team Care/Central States
  • Total Dental Administrators
  • UMR
  • UMR / CEBT
  • United Concordia
  • United Health Care
  • United Health Care Dental
  • United Health Care Multi Plan
  • US Benefits
  • Washington Dental Service
  • Web TPA (Aetna)