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Connecticut Dental Insurance Plans Prices Quotes

 
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  Robin Dubord AAI, LUTCF     There are only few personal dental insurance plans in Connecticut. Personal dental insurance plans are available for individuals, family and business owners in Conn.  
       
 
       
  Robin Dubord Dental insurance plans are issue with no health questions and no prexisting condition exclusions. This is good because a dental policy will provide coverage for everyones teeth, regardless of their condition.
  DenatlInsurance in Connecticut      
  230 Hartford Turnpike      
  Vernon, CT 06066      
         
  The lowest price for a dental plan assumes your dentist is in the provider network. A dental plan that covers all dental providers are more expensive.  
   
   
 

Dental Insurance Plan Terms and How They Work in Connecticut

 
 

In Connecticut, dental insurance is issued with no health questions and no

 
  prexisting condition exclusions. This is good because a dental policy will provide  
  coverage for everyones teeth, regardless of their condition.  
         
  Dental insurance plans in CT are able to do this because the insurance policy or  
  dental plan will limit in many ways what the covered dental benefits.  
         
  Common dental procedure clasifications:  
         
  1. Preventative procedures and benefits  
         
  2. Basic procedures and benefits  
       
  3. Major procedures and benefits  
       
  4. Orthodontia benefits - are not offered in most personal dental plans.  
         
  A. Each dental plan will then describe what procedures they consider to be preventative , basic, major, etc. The one procedure that is common to look for is a root canal. In a dental plan in CT, a root canal may be classified as a basic or major procedure/benefit.  
   
   
   
         
  B. It is common to put waiting periods on types of procedures. For example, Preventative and Basic procedures may only be covered the first 12 months. Major procedures may be covered after 12 months. However, If you have a prior dental plan, some companies will give you credit for the time you had dental plan. They usually look back 12 months for coverage. You will be required to provide proof of prior coverage. An ID card and description is normally what is required.  
   
   
  Creative Dental Insurance plans in Connectiuct     Robin Dubord AAI, LUTCF  
       
       
       
           
  C. It is also common to have a percentage limitation for the specific types or classes of procedures. For example, there may be 100% coverage for preventative, 80% for Basic procedures, 50% for major procedures. Again, Look for the differences in dental plans.  
   
   
         
  D. It is also common for the dental insurance plan to put monetary limits for specific procedures if you go out of network . Such as $800 per root canal. The dental term that may be used in a dental insurance plan is "usual and customary charges".  
   
   
         
  E. It is also common to have a yearly deductible per person. For example $50 per person per year. Preventative denatl care may not have a deductible.  
   
         
  F. It is common, for a yearly limit for all dental work done that resets every January 1st. For example, they may set a limit for all dental benefits per calendar year to $1500, or $3000, or $5000 per person.  
   
   
   
         
 

Why purchase a Connecticut dental insurance plan?

 
 

Dental insurance plans are considered a health insurance plan by the Federal Government and therefore can be tax deductible.

 
     
  Also, if the dentist is in the Network of dental providers, a reduced fee has been negotiated by the dental insurance plan. So you can get more dental work done for your money.  
     
  Connecticut Dental Insurance Plans     What is a discount plan?  
      A discount dental plan is where you pay just to use a  
  network of dentists. The discount plan does not pay the dentists or providers for dental care. Discount plans are not insurance, but they are regulated by the State of Connecticut. Many times these companies hide that they are just a discount plan.  
   
           
       

 

 
  Creative Health Insurance
230 Hartford Turnpike
Vernon, CT 06066

860-647-7353
    Dental Insurance Plans in Connecticut  
  Robin Dubord AAI, LUTCF      
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