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 with major dental insurance plans — including Delta Dental Premier, Cigna, Ameritas, and Humana — and we 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 Plans We Accept
Delta Dental (Premier)
Mountain West Family Dentistry works with Delta Dental Premier plans. Delta Dental is one of the most widely used dental insurance networks, and many families in Highlands Ranch carry it. Our team can help you understand what your plan covers so you can plan your care with confidence.
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.
Ameritas
Mountain West accepts Ameritas dental insurance. Ameritas plans vary, so we encourage you to call our office ahead of your visit. We will review your benefits and let you know exactly what to expect.
Humana
We also work with Humana dental plans. Whether you are coming in for a routine cleaning or a more involved restorative procedure, our team will help you understand what your Humana coverage applies to.
Other Insurance & Out-of-Network Patients
Do not see your plan listed? We may still be able to help. Many patients with plans outside our accepted carriers choose to see us and receive a detailed claim summary to submit to their insurance provider directly. Call us at (303) 791-6700 and we will let you know what options are available for your specific plan.
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 plan options designed to make care more accessible. [PRACTICE TO CONFIRM: financing program name, partner, and terms before publish.] Ask our team about current options when you call or come in.
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
Frequently Asked Questions
New Patients
Does Mountain West accept Delta Dental Premier?
Yes, Mountain West Family Dentistry works with Delta Dental Premier. If you carry a Delta Dental plan, our team can help you understand what your benefits cover and how to apply them toward your care. Contact us before your visit and we will verify your coverage details.
Is Mountain West a Cigna dentist in Highlands Ranch?
Mountain West Family Dentistry works with Cigna dental plans. We recommend calling our office or having your insurance card ready when you contact us so our team can confirm how your specific Cigna plan applies to the services you need.
Do you accept Ameritas dental insurance?
Yes, we work with Ameritas dental insurance. Our front-office team can help you review your Ameritas benefits and answer questions about what is covered before your appointment. Give us a call at (303) 791-6700 to get started.
What financing options are available if I need a larger procedure?
Mountain West Family Dentistry offers flexible payment plan options designed to make larger treatments more manageable. Please contact our office for current program details, terms, and how to apply — our team will walk you through what is available.
Can I use my insurance for cosmetic or restorative treatments?
Coverage for restorative treatments — such as crowns, fillings, and dental implants — varies by plan and is often partially covered. Purely cosmetic procedures are typically not covered by dental insurance. Our team can review your specific plan and help you understand what applies before treatment begins.
