Dental Plans

Take a bite into CU's two dental plans, provided by Delta Dental

Plan overview: 

This Delta Dental plan grants access to providers only within the Delta Preferred Provider Option (PPO) network.

Your PPO network is available in Colorado or throughout the United States. Coverage will not be offered for providers outside of the network.

Once you meet your $25 per person plan deductible, you will only be responsible for a percentage of your covered care costs (aka, coinsurance).

Features and Considerations:

  • Kids under 13 who are enrolled on your plan receive 100% coverage - excluding orthodontic services.
  • Periodontal cleanings are fully covered under this plan.
  • Diagnostic and preventative services do not accumulate toward your annual benefit maximum. This means that routine cleanings, x-rays, oral evaluations and more are free of charge and do not affect paying for additional services.

Choose your plan

What's covered?

Review monthly rates

Employee Employee + Child Employee + Spouse Family
$0 $21 $16 $47.50

  - Plan Comparison

Get an apples-to-apples look at CU's two dental plans with our Plan Comparison.

  Coverage area

Coverage only applies to providers within the Delta Dental PPO network. Visit the Delta Dental website to find a PPO dentist near you.

  Common fees

Deductible $25 per person (Does not apply to children under age 13 on the Right Start 4 Kids benefit)
There is no family deductible limit.
Plan-year Maximum Benefits $2,000 per person
Preventative & Diagnostic Services 0% coinsurance payment
Will not count against the plan year maximum
Basic Services 30% coinsurance payment
Major Services 50% coinsurance payment
Orthodontics (For children to age 19 only) 50% coinsurance payment

 Before or after tax?

You can decide how your monthly premiums are deducted from your paycheck, either before or after tax.

If you choose pre-tax, your premium will be deducted from your wages before taxes are calculated on your earnings. This process reduces your taxable income, and the cost of your premiums are tax-free.

If you choose after tax, you may be able to deduct your premiums as medical expenses when you file taxes.

Use your plan

What's covered?

Find a dentist

Visit Delta Dental's CU microsite to find a network provider near you.

 Claim Assistance

Contact a Delta Dental representative at 1-877-FLOSSCU or customer_service@ddpco.com

If a claim has been rejected, you can call 303-860-4200, option 3, to discuss your options with an Employee Services benefits professional.

When does my coverage end?

Your coverage will run from July 1 to June 30 of the following year. Before the plan year ends, you will have an opportunity to either continue coverage with this plan or elect for a different plan during Open Enrollment.

If you lose coverage due to termination of employment or reduced work hours, you may be eligible to up to 18 months of continuing coverage under COBRA.

Qualifying Life Events

Recently had a significant life event such as getting married or having a baby? Your benefits coverage may need to be adjusted. Find out how

Address Changes

To change your address, phone number and email:

  1. Log in to your campus portal at my.cu.edu.
  2. Select the NavBar in the right-hand corner.
  3. Select the CU Resources link. 
  4. Under the My Info and Pay menu, select Employee Profile. Here, you can update your addresses. phone numbers, emergency contacts, email addresses and more.

ID Cards

  • When will I receive my ID card?
  •  ID cards will be sent in the mail after July 1, the start of the plan year.
  • Who will send my ID card?
  • Delta Dental sends out plan cards to members in bright green envelopes to avoid accidentally misplacing your card.
  • How do I get a new ID card?
  •  All members can go to the Delta Dental website and create an online subscriber account. From there, members can access their ID information and print a new one.
  • Members can also access their ID card on the go with the Delta Dental app. All they need is an account to get started.
  • What is my subscriber ID number?
  • Your Delta Dental subscriber ID number is 888 + your six-digit employee ID number (ex: 888123456)

Plan overview: 

This Delta Dental plan lets you see any dentist. However, your out-of-pocket costs are typically lower when you see a dentist on the Delta Preferred Provider Option (PPO) network.

Once you meet your $25 per person plan deductible, you will only be responsible for a percentage of your covered care costs (aka, coinsurance).

Features and Considerations:

  • Kids under 13 who are enrolled on your plan receive 100% coverage - excluding orthodontic services.
  • Periodontal cleanings are fully covered.
  • Adults are eligible for the orthodontic benefits.
  • Diagnostic and preventative services do not accumulate toward your annual benefit maximum. This means that routine cleanings, x-rays, oral evaluations and more are free of charge and do not affect paying for additional services.

Choose your plan

What's covered?

  Review Monthly Rates

Employee Employee + Child Employee + Spouse Family
$16 $56 $48 $98.50

  - Plan comparison

Coverage area

You may see any dentist while using this plan to receive coverage. However, your out-of-pocket costs are typically lower when you use a dentist on the Delta Preferred Provider (PPO) list. 

  Common fees

Fee In-network Provider Out-of-network Provider
Deductible $25 per person (Does not apply to children under age 13 on the Right Start 4 Kids benefit)
There is no family deductible limit.
$75 per person (Does not apply to children under age 13 on the Right Start 4 Kids benefit)
There is no family deductible limit.
Plan-year Maximum Benefit $2,500 per person $2,500 per person
Orthodontic Lifetime Maximum (Employees, spouses and children to age 27) $4,000 per person $4,000 per person
Preventative & Diagnostic Services 0% coinsurance payment; Will not count against the plan year maximum 0% coinsurance payment; Will not count against the plan year maximum
Basic Services
  • 20% coinsurance payment for amalgam, resin and composite fillings
  • 25% coinsurance payment for other services
  • 40% coinsurance payment for amalgam, resin and composite fillings
  • 50% coinsurance payment for other services
Major Services 25% coinsurance payment 60% coinsurance payment
Orthodontics (Employees, spouses and children to age 27) 40% coinsurance payment 60% coinsurance payment

 Before or after tax?

You can decide how your monthly premiums are deducted from your paycheck, either before or after tax.

If you choose pre-tax, your premium will be deducted from your wages before taxes are calculated on your earnings. This process reduces your taxable income, and the cost of your premiums are tax-free.

If you choose after tax, you may be able to deduct your premiums as medical expenses when you file taxes.

Use your plan

What's covered?

Find a dentist

Visit Delta Dental's CU microsite to find a network provider near you.

 Claim Assistance

Contact a Delta Dental representative at 1-877-FLOSSCU or customer_service@ddpco.com

If a claim has been rejected, you can call 303-860-4200, option 3, to discuss your options with an Employee Services benefits professional. 

When does my coverage end?

Your coverage will run from July 1 to June 30 of the following year. Before the plan year ends, you will have an opportunity to either continue coverage with this plan or elect for a different plan during Open Enrollment.

If you lose coverage due to termination of employment or reduced work hours, you may be eligible to up to 18 months of continuing coverage under COBRA

Qualifying Life Events

Recently had a significant life event such as getting married or having a baby? Your benefits coverage may need to be adjusted. Find out how

Address Changes

To change your address, phone number and email:

  1. Log in to your campus portal at my.cu.edu.
  2. Select the NavBar in the right-hand corner.
  3. Select the CU Resources link. 
  4. Under the My Info and Pay menu, select Employee Profile. Here, you can update your addresses. phone numbers, emergency contacts, email addresses and more.

ID Cards

  • When will I receive my ID card?
  • ID cards will be sent in the mail after July 1, the start of the plan year.
  • Who will send my ID card?
  • Delta Dental sends out plan cards to members in bright green envelopes to avoid accidentally misplacing your card.
  • How do I get a new ID card?
  • All members can go to the Delta Dental website and create an online subscriber account. From there, members can access their ID information and print a new one.
  • Members can also access their ID card on the go with the Delta Dental app. All they need is an account to get started.
  • What is my subscriber ID number?
  • Your Delta Dental subscriber ID number is 888 + your six-digit employee ID number (ex: 888123456)