Dental Insurance & Financing in Highlands Ranch, CO
Navigating dental insurance should not get in the way of getting the care you need. At Mountain West Family Dentistry, we work exclusively with Cigna Total Medicare and welcome new patients who want to make the most of their coverage. Our front-office team is here to help you understand your benefits clearly, with no surprises and no pressure. We also offer flexible financing options for patients who need help spreading the cost of larger treatments. With early-morning appointments available Wednesday through Friday starting at 7:00 AM, it is easier than ever to fit care into a busy schedule. Visit our Patient Information page for new patient forms and everything you need before your first visit.
Dental Insurance Plan We Accept
Cigna
We work with Cigna dental plans. If you carry dental insurance through Cigna, bring your insurance card to your first appointment and our team will help sort out your coverage details before any treatment begins.
Other Insurance & Out-of-Network Patients
If you do not have Cigna Total Medicare, you may still be able to receive care at our practice as an out-of-network or self-pay patient. Call us at (303) 791-6700 to discuss your options before scheduling an appointment.
Understanding Your Dental Benefits
What Most Plans Cover (Preventive, Basic, Major)
Most dental insurance plans organize coverage into three tiers. Preventive care — like cleanings and exams — is typically covered at 80–100%, making regular visits one of the best ways to get full value from your plan. Basic services such as fillings and simple extractions are usually covered at a lower percentage, and major services like crowns or root canals at a lower percentage still. Understanding these tiers helps you plan ahead.
How to Get the Most From Your Annual Maximum
Most dental plans reset every January, which means unused benefits do not carry over. If you have remaining coverage toward the end of the year, scheduling before your plan resets is a smart way to maximize what you have already paid into. Our team can help you identify which treatments make sense to schedule within your current benefit year.
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Dental Financing Options in Highlands Ranch
Flexible Payment Plans
For patients who need more extensive treatment, such as dental implants or multi-step restorative work, Mountain West Family Dentistry offers flexible payment options designed to make care more accessible. Ask our team about current plans when you call or come in, and we'll walk you through what's available.
What If I Don't Have Insurance?
Not having dental insurance does not mean care is out of reach. We work with uninsured patients to explore financing options and help prioritize treatment in a way that fits your budget. Our approach is straightforward: we will tell you what we recommend, explain the costs honestly, and help you find a path forward. Learn more about preventive services that can reduce long-term costs on our Preventive & General Care page.
Highlands Ranch
