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Home Posts tagged "dental insurance"
MetLife dental NCD

MetLife dental NCD

By Ed Crowe | General Articles | 0 comment | 24 January, 2023 | 0

MetLife dental NCD

National Care Dental is offering dental coverage in the MetLife dental network.  MetLife dental NCD is available is several states and will soon be adding both NY and CT to that list!  If you already know the details abou the product and simply want to contract, use the link below.

CONTRACTING

CLICK HERE TO CONTRACT    Note:  When prompted, please enter the password:  ‘Leader’

How much money can you make selling dental?  Click here for an example

The Metlife dental NCD product offers three levels of coverage.

Clients will like these plans because; they have great plan options with extremely high coverage amounts.
The levels of coverage with this plan start out at $750 of basic coverage on the NCD Value by MetLife plan.  The next level of coverage is the NCD Essentials by MetLife which offers $2,000 of coverage per calendar year. The Third and most impressive plan is the NCD Complete by MetLife; this plan offers an unheard of $10,000 worth of coverage per year!

MetLife NationalCare Dental plans are now available in the following states:

AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MI, MN, MO, MS, ND, NE, NJ, NV, NY, OH, OK, PA, RI, SC, TN, TX, VA, WI, WV, WY

IMPORTANT NOTE:   Connecticut and New York products are listed separately on the enrollment site.   To quote and/or enroll an individual in those states, be sure to scroll to the correct product.

 

Click here to view Metlife Plan availability

Click here to see how easy it is to run a quote

Find a provider – Click here to access the directory

The three plan options

1.  Value by MetLife benefits:

Annual maximum benefit $750 (a $50 deductible applies annually per member)

The Value plan covers dental exams at 100%  (2 exams per 12 month period).  Clients also receive 100% coverage for bitewing x-rays (1 per 12 month period), 2 cleanings per year as well as fluoride for children under 16 years old.

This plan provides coverage for basic care starting at 50% for year 1 and going up to 80% for the third year of coverage.

Major dental care is not covered for the first year on this plan.  Although year 2 provides 10% coverage and the third year provides 25% coverage for these services.

Value plan details; click here

2.  Essentials by MetLife benefits:

For this plan, the annual maximum benefit is $2,000 (a $50 deductible applies annually per member)

Members receive 100% coverage for preventative care including; dental exams (3 per 12 month period).  Other services covered at 100% on this plan are; bitewing x-rays (1 per year), 3 cleanings per year and fluoride for children under 16.

Basic care coverage starts at 65% for the first year and goes up to 80% for the second year.  Third year coverage is 90% on this plan.

Major dental services are covered at 10% for the first year, 50% for the second year and 60% for the third year.

Essentials plan details; click here

3.  Complete by MetLife benefits:

The NCD Complete plan is a complete coverage option with the annual maximum benefit of $10,000 (there is a $100 lifetime deductible for this plan)

The Complete plan covers preventative care at 100%.  This includes three routine exams and cleanings per year.  This plan also covers 1 set of bitewing x-rays as well as fluoride treatments for children under 16 at 100%.

Basic care is covered the first year at 65%.  The second year at 80% and the third year at 90%.

Major dental care is covered at 10% the first year, 50% the second year, and 60% the third year.

Complete plan details; click here

As you can see, these plans offer the comprehensive benefit packages that your clients are looking for.

If you want to offer these products to your clients; contact lisa@croweandassociates for contracting.

Learn more about what we have to offer our agents

 

MetLife Dental Plans

Metlife Dental Plans

By Ed Crowe | Dental | 0 comment | 6 February, 2018 | 0

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

The first thing you should know is;  you will receive Coverage that stays with you even through different life stages

Second; both you and your family can receive benefits

Third; this plan offers competitive prices

Equally important,  there is a broad network of participating dentists to choose from

Finally, you will receive hundreds of services/procedures at costs that may be lower than typical dental fees, including:

  • Cleanings
  • X-rays
  • Fillings
  • Dentures
  • Sealants
  • Orthodontics
  • Crowns
  • Extractions
  • Root Canals

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

 

PPO
Coverage Type
PPO-LOW
PPO-MEDIUM
PPO-HIGH
Download Full
Schedule of Benefits
Download Full
Schedule of Benefits
Download Full
Schedule of Benefits

Dental Premium Payment Options

*Requires setup of electronic funds transfer (EFT) or credit or debit card payment.

Quarterly and Semi-Annual payment options also available.

Self
$35.44 Monthly*
$106.32 Quarterly
Self + 1
$70.41 Monthly*
$211.23 Quarterly
Self + 2 or more
$101.34 Monthly*
$304.02 Quarterly
Self
$39.00 Monthly*
$117.00 Quarterly
Self + 1
$77.18 Monthly*
$231.54 Quarterly
Self + 2 or more
$109.15 Monthly*
$327.45 Quarterly
Self
$44.56 Monthly*
$133.68 Quarterly
Self + 1
$88.90 Monthly*
$266.70 Quarterly
Self + 2 or more
$131.14 Monthly*
$393.42 Quarterly

Calendar Year Maximum per person

$1000 $1500 $2000

Calendar Year Deductibles

Applies to both Basic Restorative and Major Restorative Services

$75 self
$150 self + 1
$225 self + 2 or more
$50 self
$100 self + 1
$150 self + 2 or more
$25 self
$50 self + 1
$75 self + 2 or more

Preventive and Diagnostic Services include;

Cleanings, oral examination and X-rays

100% 100% 100%

Basic Restorative Services include;

Both fillings and periodontal maintenance

70% 70% 80%

Major Restorative Services include:

Crowns, bridges and root canal treatment as well as dentures

50% 50% 50%

Covered Orthodontic Services

Not Covered Not Covered Child: 50%
Adult: Not Covered

Waiting Period

Some benefit Programs have waiting periods before certain dental work can be performed.

If you currently have comparable Dental coverage that has been in effect for at least 12 months, you may qualify to have the waiting period waived. You will have the opportunity to request a waiver during enrollment.

Waiting period does not apply to Dental DHMO/Managed Care programs.

6 months
Basic Restorative12 months * 
Major Restorative* Vermont Residents: Any applicable waiting periods are limited to a maximum of 6 months. Once enrolled, this will be reflected in your policy.
6 months
Basic Restorative12 months * 
Major Restorative* Vermont Residents: Any applicable waiting periods are limited to a maximum of 6 months. Once enrolled, this will be reflected in your policy.
6 months
Basic Restorative12 months * 
Major Restorative
Orthodontics* Vermont Residents: Any applicable waiting periods are limited to a maximum of 6 months. Once enrolled, this will be reflected in your policy.

 

About Crowe and Associates

Vision and Dental Plan Connecticut ($6.95 single / $15.95 family rates)

By Ed Crowe | Dental | 0 comment | 10 August, 2012 | 0

Careington offers a combo vision and dental discount plan in Connecticut.  The plan is very reasonably prices at $6.95 a month for a single person, $11.95 for two people and $15.95 for a family.

I have not been an advocate of discount vision and dental plans in the past but the Careington plan has proved to be a value to our clients.  The networks are strong with VSP for vision and Aetna for a dental network and the discounts make a big difference.  We have found that people actually save more money with this discount plan than they do with traditional dental and vision insurance.   The problem with traditional dental and vision is that the average monthly premium is $30 per person which makes it hard generate an annual savings. The low premium of the Careington plan along with the major discounts make this plan a better choice for most consumers.

A link to the benefits of the plan is attached. CAREINGTON LINK TO BENEFITS AND ONLINE APPLICATIION   You may also sign up for the plan through this link for those that want to purchase it.  The online application will ask you for an agent/broker code before it will let you apply.  Our agency code is CROWE which can be entered and will allow you to move to the application section.

IMPORTANT- For people in CT and NY, be sure to select the plan choice that uses the Aetna Dental Network.  (The 2nd plan from the left) The Aetna dental network is much stronger in CT and NY.

Please call Crowe & Associates with any questions or concerns.

Dental and Vision Insurance Connecticut (Quote Link)

By Ed Crowe | Dental | 0 comment | 10 August, 2012 | 0

We receive requests for good dental and vision insurance on a daily basis from clients ranging in age from 25 to 80 years old.  There are a number of Dental and Vision plans available but most of them are structured in a way that makes it difficult to get your money’s worth out of them.

We have come up with two plans that currently offer the best value on the market.  There are two types of plans for Vision and Dental.  You have Dental and Vision insurance and then there are a number of dental and vision discount plans.   They both have pros and cons but we will focus on the Dental Insurance here.

Humana offers a dental and vision plan that provides for strong benefits coupled with one of the better dental networks.  The biggest key of the plan is that is also is reasonably priced.  The price for the plan also does not change based on age and a person of any age is eligible.  Monthly premiums for the Dental plan are $22.99 a month per person.  The plan covers preventative services at 100% and basic services at 50% ($50 deductible on basic).  This is the plan we recommend to clients currently however we will start to recommend a different plan if one of a better value becomes available.

To look at benefit for this plan and/or apply for it online, you can use the Humana link provided.   CLICK HERE FOR HUMANA LINK

Please feel free to email or call Crowe & Associates with any questions.

Low Cost Dental Plan

By Ed Crowe | Dental, Dental insurance | 0 comment | 18 July, 2012 | 0

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.

Medicare and Health Insurance

By Ed Crowe | Dental, Medicare | 0 comment | 18 July, 2012 | 0

Medicare A and B provides coverage for most medical services.  Many seniors purchase a Medicare Advantage plan or a Medicare Supplement to pick up the costs not covered by A and B. Medicare A and B does not provide coverage for Dental, Vision and Hearing.  In the past, many Medicare Advantage plans would also provide benefits for these services but in the past 2 to 3 years they have been dropping these benefits.

It is very difficult to find a stand along dental or vision plan for seniors let alone to find one which is worth the premium.  There is now a discount plan from Carington that provides substantial discounts on all these services and is available to those over age 65.  The plan provides discounts on Dental, Vision and hearing services ranging from 20% to 60%.  Carington has an online function that allows you to search providers and also allows you to see how much a service will cost and to what extent it is going to be discounted.  They utilize an Aetna dental and vision network for better access to choice of providers.

The plan is priced very reasonably at $6.95 a month for an individual up to $15.95 for a family.  Carington Plan Design and Rates Document

If you have questions about this plan, please contact Edward Crowe at 203-796-5403 or email at Edward@croweandassociates.com

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