Individual Dental Plans in Connecticut
Purchasing an individual dental plan in Connecticut has traditionally been a difficult task. The premiums for the plans usually cost almost as much as the max annual benefit. (max benefit is usually $1,000 or $1,500 a year). Most plans have have waiting periods on basic and major services of at least 6 months. Once those waiting periods have been met the plan will pay 40% to 60% of the allowable cost. Preventative cleanings are usually covered 100% from day one but many plans only cover one per year. On top of this dentists often do not participate with many of the plans making it more difficult.
This has changes to a certain extent recently. There are now some plans available that do offer a fair premium compared to the benefits you can receive. Here are three that you may want to consider.
Ameritas- They have a variety of stand alone dental plans ranging from $25.00 to $70.00 a month. The waiting periods are reasonable for basic services and preventative dental is covered at 100% which includes X-rays. Be careful however, because at this time they only allow one preventative cleaning a year on the lower cost options.
Aetna- Aetna offers a very affordable plan ($16 a month for individuals under 65 and $15 a month for those over 65) that covers two preventative cleanings including X-rays a year. The network has a surprising number of participating dentists as well. Be careful when asking your dentist if they accept the plan. There are a number of Aetna networks and you need to make sure they are in the one specific to your plan. The Aetna Plans are not “Stand Alone” and as a result, you must be enrolled in an Aetna Individual Medical or Medicare Advantage plan to be eligible.
Get a quote: https://www.aetna.com/iqs/aimquote.do
Golden Rule “United Health One”- This plan came out in July of 2009. The premium for the value option is $26.00 a month and the plan covers 2 preventative cleanings including X-rays. There is 80% coverage for basic services and 50% coverage for Major services (after a reasonable waiting period 3 months and 6 months) The network is adequate in most areas. This plan can be used as a stand alone option and is available to people of any age.