Group Dental Plans and Insurance in Colorado

No minimum participation requirement when offered separately (when not tied to Companion Life or Securian Dental)

30% combined between Companion Life and a Beta Health Network Plan.

Groups size 2 to 4 Eligible Employees

  Voluntary or Employer Paid A one time open enrollment and 100% of all eligible employees must enroll between all plans.

Groups size 5 to 249 Eligible Employees

  Voluntary : A one time open enrollment for groups of 5 to 9 eligible employees. Annual Open Enrollment for groups of 10 or more enrolled employees. A minimum of 5 employees must enroll between all plans. There is no minimum % participation requirement.

Employer Paid : A one time open enrollment for groups of 5 to 9 eligible employees. Annual open enrollment for groups of 10 or more enrolled employees. A minimum of 5 employees or at least 60% of all eligible employees must enroll between all plan options (whichever is greater).

Discounted fee-for- service network plan

  Discounts on over 180 dental services.

  On the Alpha Plan, members will save an average of 65% off the normal full fee

  On the Choice Plan, members will save an average of 48% off of the normal full fee

Passive PPO (*)
Plan A = 100/80/50/50
Plan B = 100/100/50/50

* Same benefits in or out of network. The only difference is that there will be no balance billing if seeing a network provider.

True PPO Plan
(Format is preventive, basic, endo and perio, and major)

Plan A Voluntary Employer Paid
In network 100/60/0/0 100/60/0/0
Out of network 80/50/0/0 90/50/0/0

Plan B
In network 100/60/50/50 100/60/50/50
Out of network 80/50/50/50 90/50/50/50

Plan C
In network 100/80/50/50 100/90/60/60
Out of network 90/60/50/50 90/80/50/50

Plan D
In network 100/80/80/50 100/80/80/50
Out of network 100/60/60/50 100/80/80/50

No Deductibles on any services ever. Member simply pays the negotiate fee at the time of service and this is considered payment in full by the participating network provider.

$100 Lifetime (per person)

Applies to Preventive, Basic and Major Services. No Deductible for Ortho.

Voluntary: (employer selects)
$50/$150 per person/family, per calendar year.

Employer Paid: (employer selects)
$25/$75 or $50/$150 per person/family, per calendar year.

Applies to Basic, Major Services only. No deductible for Diagnostic, Preventive, and Orthodontic Services.

Member pays discounted fee directly to provider. This is considered payment in full.

UCR 80 th Percentile with no balance billing if a PPO provider is used.

UCR 80 th OR 90 th Percentile. You decide! No balance billing if a PPO provider is used.

Unlimited. Members can use these plans as much as they like in any year.

Plan A = $1000 per person
Plan B = $1200 per person

Voluntary: (employer selects)

Plan A = $500 or 750 per person
Plan B = $750 or 1000 per person
Plans C & D = $1000 or $1250 per person

Employer Paid: (employer selects)

Plan A = $750 per person
Plan B = $1000 per person
Plan C = $1000 or $1500 per person
Plan D = $1000, $1500 or $2000 per person

No Waiting Periods on any services ever!

No Waiting Period for Preventive and Basic. Twelve (12) month wait for Major and Ortho unless takeover provision applies at initial open enrollment only.

Waiting period will always apply to new hires.

Voluntary: No Waiting Period for Diagnostic and Preventive. Plans A & B have a 6 month wait for Basic, 12 month wait for Major and 18 month wait for Ortho.

Plans C & D have No Waiting Period for Basic, 12 month wait for Major and 18 month wait for Ortho unless takeover provision applies at the initial open enrollment only.

Employer paid : No Waiting Periods for Diagnostic, Preventive, Basic and Major. Twelve (12) month wait for Ortho unless takeover provision applies.

Waiting periods will not apply to new hires .

Included as part of the benefit package at no additional cost.

Available to all children and adults.

Available to groups of 3 or more, no deductible, $1000 lifetime max, 50% benefit, children to age 19 only. New lifetime maximum benefit per person.

Available only to groups with a minimum of 10 or more enrolled employees, no deductible, 50% benefit, children to age 19 only.

Lifetime maximum is: Voluntary is $750 per person, Employer Paid is $1000 per person.

Yes. Beta Health networks are available in Colorado only. We also have affiliations with other network carriers across the United States for Colorado groups that have employees outside Colorado .

Yes in Colorado only. An employer can offer only one of the two available plan designs. In Colorado , the selected plan design must be offered along side of the Beta Health network plans. Outside of Colorado , there would be only one Companion Life plan available.

Yes in all states. In Colorado , the Securian plan must be offered along side of a Beta Health network plans. Outside of Colorado (where there are no Beta Health network plans), we can offer all employees a choice between two different Securian Dental plan designs (a high and a low plan design). This allows for a greater level of enrollment and participation in the voluntary groups.

Large statewide network of quality, credentialed providers for members to select from. Can change dentists at any time by contacting the Beta Health Administrative office.

Any Provider or a PPO Provider. Utilizes the DenteMax network with over 45,000 providers nationwide.

Any Provider or a PPO Provider. Utilizes the DenteMax network with over 45,000 providers nationwide.

No dependent age limits apply. Open to all dependents.

Dependent children are covered to age 19 or to age 24 only if they are a full time student.

Dependent children are covered to age 19 or to age 25 only if they are a full time student.

Yes. $1 per month per employee not to exceed $10 per month total.

Yes. $1 per month per employee not to exceed $10 per month total.

No billing fee applies.

8% level on all group plans. 7% level on individual plans.

Level 7% on all group plans.

Individual plan not available.

Level 10% on group plans with fewer than 100 employees. Custom commissions are available on all groups over 100 employees (if requested).