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.
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.
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
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
Medicare Part B is an important part of Original Medicare, covering many
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800 MEDICARE to get information on all options.Not affiliated with the U. S. government or federal Medicare program. This website is designed to provide general information on Insurance products, including Annuities. It is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that [Agency Name], its affiliated companies, and their representatives and employees do not give legal or tax advice. Encourage your clients to consult their tax advisor or attorney.
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