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Dental, Vision & Hearing plan

If you are looking for a great all-in-one package of health care products, look no further.  Our Dental, Vision & Hearing plan package will provide you with the coverage you need at a price you can afford.  These plans are offered by SureBridge.  SureBridge is an affiliate of the Chesapeake Life Ins Company and a recent partner of the UnitedHealthcare Group family of companies.

Plan Details:

Pays 100% on preventative services on DAY ONE of the policy with no deductible

No waiting period on basic benefits (fillings and simple extractions)

Only a 9-month waiting period for major services on dental

Benefits on basic and major services go up 10% every year for the first 3 years.

Issue ages 0-90

ISSUE AGE rates – Premiums are locked in

All applications, contracting done online

Guarantee issue and renewable for life

Carrier pays the provider directly

Click here for more information/brochure

►Now Available: AL, AR, AZ, CO, CT, DE, FL, GA, IA, ID, IL, KS, ME, MI, MN, MS, NE, OK, OR, PA, SC, SD, TN, WI, WV and

WY!

►Launching 6/21: LA, MO, ND,

NM, NV and UT

►Launching 7/19: TX, KY and OH

(More States to come for 7/19

Launch!)

Network Information:

Dental = Carrington Dental Network

Vision = No network

Hearing = TruHearing

**Out-of-network is based on 75% of what dentists in the area are charging.  (UCR)

To see the plan rates for your state click here

Click here to learn what sets us apart from other uplines.

For image attribution

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.

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

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.

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.

Get a quote: https://secure.healthplan.com/agent_platypus/quote_start.php?go=true&cust_link=CUS1013121551

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.

Get a quote: https://www.goldenrulehealth.com/Customer/QuotePages/CustZipCode.aspx?SID=bc05c0ff-2120-4705-a19b-8282fc6507a3