Dental Insurance – Connecticut
Get Free Quotes on Connecticut Dental Insurance
Looking for dental insurance plans in Connecticut? Don’t forget to do your research. There are a number of different plans available, and no plan is perfect for everyone. DentalInsurance.com makes the research phase easier by allowing you to compare free quotes for available plans in your area. You can get started by typing in your zip code above, but before you begin, here’s a summary of the different types of available plans.
Types of Dental Insurance Plans Available in Connecticut
There are four major types of dental insurance plans available in Connecticut. They vary mostly by the way insurance companies provide savings on dental services, and there are typically slight variations among plans of the same type. Choosing the right plan should be based on more than just the price tag. Be sure to understand the needs of you and your family to ensure any plan you consider covers your basics. The different plan types available in Connecticut are:
Discount plans are unlike most types of dental insurance in that they don’t make reimbursements. Discount dental plan subscribers pay an annual or monthly fee in exchange for a discount card which allows them to seek unlimited dental care from dentists who accept the plan. These plans are typically attractive for patients who are dissatisfied with their current dental plans, or need discount coverage quickly. Plans vary by the amount they cover for each procedure, so be sure to familiarize yourself with the providers discount fee schedule for the procedures you expect to receive. Also, since discount plans don’t provide reimbursements, patients are typically expected to pay the entire discounted rate at the time of the visit. Discount plan providers in Connecticut include DentalSave and Aetna Dental.
Indemnity plans are considered “traditional” insurance plans, operating on a fee-for-service model. Indemnity plan providers list the % they are willing to cover for each service in a fee schedule, which is based on a UCR fee. UCR stands for “Usual, Customary, and Reasonable,” and is essentially the average cost of service from dentists in the area. This helps the insurance company determine the fair amount of coverage for basic dental care. The main advantage of indemnity plans is that they provide the most freedom in terms of choosing a dentist. They can, however, lead to higher out-of-pocket payments for patients, since plan providers make reimbursements after receiving the bill. Indemnity plan providers in Connecticut include Encore Dental, American National, Nationwide, and Security Life Insurance Company Of America.
PPOs (Preferred Provider Organizations)
PPOs work with a network of dentists who agree to provide their services to plan subscribers at a discounted rate. This discounted rate allows insurance providers to guarantee a maximum cost of service from dentists within that network. Subscribers can also seek dental care from dentists outside of the network, but coverage is typically significantly more expensive. Check with each provider to find out their policies on seeking care outside of the network, or during emergencies. PPOs may also require waiting periods for certain procedures, and also have calendar-year maximums. Some of the most popular PPO providers in Connecticut include HumanaOne and Nationwide .
Fee Schedule Plan
Fee Schedule are similar to indemnity plans in that they list the amount they are willing to cover for specific procedures in the company’s fee schedule, but they sometimes list dollar amounts, as opposed to percentages. They may also operate with in a preferred dentists network like a PPO. Fee Schedule plans typically have lower premiums than both PPO and Indemnity plans, but they also have calendar year maximums and tend to have waiting periods for certain procedures.