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MetLife Dental Plans

MetLife dental plans are available through MetLife TakeAlong Dental.  TakeAlong dental is a PPO dental program that offers coverage to both you and your family.  Three PPO plan designs are currently available to choose from.  All three plans have affordable monthly premiums and a large network of participating providers.  The MetLife dental plans offer you a number of benefits…

CLICK HERE TO QUOTE PLANS

Having the right Dental insurance can protect you and your family from unexpected dental expenses! MetLife TakeAlong Dental offers comprehensive coverage today and in the future, even through different stages of your life.

CLICK HERE TO QUOTE AND ENROLL

About Crowe and Associates

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 different dental benefit designs.  Both plan choices use the Ameritus dental network.  There is no waiting period for either of the plan types for preventative and basic services.  Please note: 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.  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.

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 to search for a provider.

Ready to enroll?

Still have questions?  Feel free to either call us at 203-796-5403 or email us at edward@croweandassociates.com.

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 admin@croweandassociates.com.

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

Stand Alone Dental Plans Connecticut

There are a number of stand alone dental plans Connecticut.  Stand alone dental simply means that either an individual or family can purchase the plan on its own.  There is no need to purchase any other type of insurance plan with it.  The plan is also not connected to any type of insurance plan that is offered from an employer.   In fact, when you purchase a stand alone plan, there is almost always a waiting period on both the basic and major services.   These waiting periods usually range from 6  up to 12 months.  It all depends on the plan you choose.

Cigna dental

Cigna dental currently has a stand alone dental plan with the best rates available for the benefits you receive.  They have three plan offerings. There is one plan that covers preventative only. There are two traditional dental plans with a $1,000 and $1,500 max annual benefit per person on the basic and major services.   All three plan designs are PPO’s.   This allows you to see any dentist even if they are not participating in the Cigna dental network.

In addition to having the lowest rates currently available in CT and one of the better networks of dentists, they will also waive the waiting period on basic and major services if the applicant has had previous dental coverage without a lapse.

CLICK HERE FOR MORE INFORMATION AND BENEFIT SUMMARIES

CLICK HERE TO QUOTE CIGNA DENTAL AND/OR ENROLL IN A PLAN

If you have any questions about these dental plans, please feel free to contact us.  You can reach us either by phone at (203)796-5403 or by email at Edward@croweandassociates.com.  We are always happy to help you choose the right insurance coverage for yourself and your family.  We can find a policy that fits your medical needs as well as your budget.

New Cigna Dental Plan For Connecticut

INFORMATION ON THIS PAGE HAS BEEN UPDATED.  CLICK HERE TO ACCESS THE NEW PAGE. 

This post will give you some details about the New Cigna Dental Plan For Connecticut.  Cigna has come out with a new suite of Dental plans that can be purchased by individuals.  The plans are all PPO based.  This means that, consumers can see both in and out of network doctors.   These plans use Cigna’s employer dental network  which provides more dentists than any other well priced individual dental plan.   Plans can be purchased by people over the age of 65 and the pricing is the best in the market for a PPO based dental plan.  It is very easy to enroll in the plan. You can enroll either with a paper application or online.  Cigna plans are available in the following states: AL, AZ, CA, CO, CT, FL, GA, IL, NC, PA, SC, TN, TX, VA

Trying to find a solid dental plan without going through employer based benefits can be very difficult.  By using the employer based dental network and pricing the product aggressively, Cigna has separated themselves from the other dental plans available.  Cigna dental plans are available in the following states….There are 3 plan offerings which are Preventative, PPO 1000 and PPO 1500.  CLICK HERE TO QUOTE NEW CIGNA DENTAL PLANS FOR CONNECTICUT

Preventative Plan-

Covers two cleanings and X-Rays at 100% (no balance billing with participating dentists.)  Basic and Major services are not covered but are billed at the Cigna discounted rate which would allow for a 15% to 40% cost reduction depending on the procedure.  Rates vary by age and area but this plan is $14.00 a month on average.

CLICK FOR SUMMARY

PPO 1000-

Covers two cleaning and X-Rays at 100%.  Covers basic services (such as fillings) at 80% and covers major services (such as Crowns at 50%)  The plan has a $50 deductible for basic and major services and a $1,000 benefit max per person per year.  Rates vary by age and area but this plan is $25.00 a month on average.

CLICK FOR SUMMARY

PPO 1500-

Covers two cleaning and X-Rays at 100%.  Covers basic services (such as fillings) at 80% and covers major services (such as Crowns at 50%)  The plan has a $50 deductible for basic and major services and a $1,500 benefit max per person per year. Rates vary by age and area but this plan is $28.00 a month on average.

CLICK FOR SUMMARY

Click the link below to get a quote or check to see if your dentist participates with the plan.  You may also enroll in the plan from this site if you wish.   If you have questions, call our office at 203-796-5403 or email us at Edward@Croweandassociates.com

CLICK TO GET A QUOTE OR CHECK DENTAL NETWORK FOR THE  CIGNA DENTAL PLAN FOR CONNECTICUT

Spirit Dental offers PPO and Indemnity based dental programs.   The plans have benefit structures which are similar to that of a group plan but are offered on an individual basis.  The two most popular plans are the PPO plan and the Indemnity plan.

The Spirit Indemnity plans are ideal for dentists that do not participate with dental plans. The plan uses a 90% fee schedule based off the zip code of the dentist.  This means that the fee schedule is 90% of what a dentist charges in that area.  Preventative, Basic and Major Services are covered from Day 1. Spirit Individual Dental Indemnity Details

If the dentists participates with the Careington or Premier dental network, the PPO plan would be the more cost effective choice.   The PPO plan has a lower premium and also includes Ortho coverage.   Spirit Individual Dental Careington Details

A link has been provided to quote Spirit Dental and/or apply for the plan.    CLICK HERE TO GET QUOTES

ONLINE CONTRACTING    CLICK HERE FOR ONLINE CONTRACTING     PLEASE LIST CROWE AND ASSOCIATES IN THE “GA” SECTION OF THE CONTRACTING

Denali Dental offers dental plans on a PPO and Indemnity basis.  The indemnity plan can be used for any dentist with a fee schedule that pays based off 90% of the average charge for a dentist in any particular zip code.

CLICK HERE FOR QUOTE LINK

Denali Dental offers a PPO and Indemnity dental plan.  They can be chosen with annual benefit maximums of $1,500, $2,500 or $3,500.  The plans cover preventative, basic and major services with the PPO version also offering an Ortho benefit.   Read more

Careington offers a Dental and Vision discount program for a $6.95 monthly premium for individuals and $11.95 for couples and $15.95 for families.  There is no benefit limit on the plan and discounts on dental services range from 20% to 50% depending on the service.  The plan uses the Aetna PPO dental network which is one of the better dental networks available.  (To determine if a dentist participates, ask them if the participate in the Aetna PPO dental network)  There is also an online tool to check participation. (Once in- choose your state, and click on the “Learn More” button for the Aetna network plan.  There is a provider search button on the bottom right hand side)

Unlike some discount plans, the Careington plan has no paperwork for the member to submit.  The discount is automatically credited at the time of service. There is also a vision benefit which provides discounts on hardware.  To learn more about the plan, search providers and sign up you can CLICK HERE FOR THE CAREINGTON WEBSITE   **In order to apply for the plan, the site will ask for a broker code- The code is CROWE   (All capital letters)