Blog

Individual Dental and Vision Insurance Plans

Vision and dental needs are not typically covered by medical insurance plans.  Such expenses can total to large amounts during the year.  Dental and Vision Insurance plans help to defray the cost of routine care.  We offer individual and family dental and vision plans at competitive rates.  Both plans have very competitive  benefits and national networks.

Dental Plans

Dental insurance plans have access to two dental benefit designs using the Ameritus dental network.  Both plans have no waiting periods for preventative and basic services.  Preventative and basic services vary by plan.  Click here to view a list of services by plan.  There is a waiting period for major services.   Click here for a list of major services by plan.  The Choice Dental plan offers a $1,500 annual per person max benefit.  The Premier Dental plan offers a $3,000 per person max benefit.  Plans both have a $25 per visit co-pay for services.  Both plans are available for all ages.  Rates are very competitive.  Open enrollment rules do not apply.  New plans can begin the first of any month.

Hassle free, unassisted online enrollment is available.

Click for dental rates and benefits.

Click here to see if a dentist is in network.

Ready to enroll?

Vision Plan

This vision insurance plan utilizes the VSP vision network.   The plan provides coverage for lenses, frames, exams and more.  Rates are very competitive.  Enrollment can be entered online in just minutes.   A link to benefits, rates and provider search has been provided below.

Click here for Vision rates and benefits.

Click here to search for a provider.

Ready to enroll?

Still have questions?  Call us at 203-796-5403 or email us at [email protected]

Crowe and Associates is a full service insurance and investment brokerage.  Click here to visit our home page.

Always Care Dental Insurance

Crowe and Associates is now able to offer  Always Care Dental Insurance and vision coverage. Always Csre offers clients several different levels of coverage as well as one of the nation’s largest provider networks.

The Cleaning Plus Vision plan helps cover the cost of dental exams and cleanings. It also covers annual vision exams and material allowances for each person covered by the plan. Click here for an overview of the Cleaning Plus Vision Plan.

The Preventive/Basic plan gives individuals immediate access to all covered services with no waiting periods and $1,000 annual maximum for each person covered. Click here for an overview of the Preventative Basic Plan.

The new Increasing Max plan rewards individuals with an increasing annual maximum benefit as well as no increase in premium. There are no application fees as well as no administrative fees. Click here for an overview of the Increasing Max plan.

The Ultimate Max plan gives you a $2,000 annual maximum for each person covered by your plan.  Additionally, there are no application fees and no administrative fees. Click here for an overview of the Ultimate Max plan.. (Currently not available in Connecticut)

Click here for a no obligation quote.  In addition to dental insurance, we are able to quote and write medical, life, auto, home, commercial  and annuity policies.   To discuss your individual needs in detail, please call the office at 203-796-5403 or email us at [email protected]

Teladoc Doctor and RX by Phone

Teladoc Doctor and RX by Phone.  This Teladoc service is such a great help for today’s active on the move individuals and families. This is a national network of U.S. board-certified and state-licensed physicians.  The physicians use electronic health records, telephone consultations and online video consultations to diagnose, recommend treatment as well as write short term, non-DEA controlled prescriptions.  This is all done without a face to face meeting.  Physicians are available 24 hours a day for 365 days a year.  This allows it’s members of any age to conveniently access quality care either from their home, work or on-the-go.  In fact, Teladoc coverage includes both a dental as well as a vision discount plan.  LASIK vision correction and a prescription saver program are also included in this plan.  All programs are included in the pricing below.  In fact, this service is approved in all 50 states.

Read more

We receive calls everyday from clients looking to purchase dental insurance on an individual basis.   They usually do not have access to group dental insurance and want some way to control the costs of their dental care.   Finding an individual dental plan of value is tricky but possible.

We work with a number of dental plans such as Anthem BCBS Individual dental,  Golden rule Dental, Delta Dental and a number of others.     Many people focus on the max benefit of the plan which is usually $1,000 to $1,250 a year.   The out of pocket max is important but the key element is to make sure you dentist will accept the plan and also to know what type of coverage you can get on major services.  Overall monthly premium is a factor as well because you need to make sure your preventative coverage is worth what you are paying in premium. If you cant break even on the cost with the preventative care alone, it may be wise to look at other plans.

You need to look at plan that cost $26.00 or less per month per person.  Over that amount makes it difficult to get your money’s worth out of the plan.

Anthem BCBS offers a plan for $15.00 a month but it coverage preventative benefits only which hurts the value.   Golden Rule (United), Ameritus and Delta (AARP Dental) have plans with nice benefit offerings but they are all priced in the $30 to $50 a month range.

We recommend the Humana Individual dental plan at $22.99 a month and the Carington discount dental plan and vision plan at $14.95 a month.  Both offer a reasonable premium and worth while benefits.

Carington offers a Dental and Vision plan through Aetna Healthcare.  The plan combines Dental and Vision and offers substantial discounts at a reasonable price. ($14.95 a month for the whole family)   Vision and Dental insurance rates can range from $20 a month to $50  per person depending on company offering the plan.  These plans usually have very limited networks which makes it difficult to find a dentist.

The Carington plan  offers discounts on all services for dental and vision.  The plan utilizes and Aetna dental and vision network which is a big improvement over most plans.