Connecticut residents can obtain dental coverage either as a part of comprehensive medical plans or they can purchase a stand-alone dental plan. However, dental coverage is only included in the health plans offered to children under the age of nineteen years, and health insurance plans available for adults do not offer dental coverage. Besides, it is not at all essential for adults to have dental coverage, as they do not require to pay a penalty for not having a dental plan. Thus, it is observed that most individuals don’t find the need to obtain dental coverage unless they experience some major dental issues.
Reasons to have a Dental Plan in Connecticut
Individuals having a health plan with minimal or no dental benefits should enroll in a separate or stand-alone dental plan. People can buy a dental plan at any time of the year, as there is no annual open enrollment period for dental plans. Stand-alone dental plans in Connecticut provide coverage for comprehensive dental care, right from routine preventive care to complex dental procedures. A dental plan helps people protect their oral health as well as their finances.
Different Dental Plans available in Connecticut
Individuals should look for dental plans that are easy to smile as well as easy to pocket. Most of the dental plans available in Connecticut provide coverage for preventive dental care like regular exams, cleanings, and x-rays along with coverage for dental procedures like crowns, fillings, and root canals. Dental insurance carriers understand that every individual has different dental care needs and hence they need to pick the right dental plan that meets their dental care needs and budget. Though there are multiple types of dental plans available in Connecticut but primarily there are two main types of dental plans that individuals will come across while shopping for dental plans. The two types of dental plans available in Connecticut are:
PPO Dental Plan
Preferred Provider Organization dental plans have a network of dentists to whom members of the plan can visit to receive dental care at a discounted price. However, members are free to see out-of-network service providers but will need to pay more for the received dental care. PPO dental plan is best for people who already have a preferred dentist to whom they enjoy visiting for receiving any type of dental care.
Dental Health Maintenance Organizations Plan
DHMO plans also come with in-network dental care service providers and the members can only visit the in-network service providers to receive any dental care service. DHMO plans are affordable to Dental PPO plans but members of this plan don’t have the option to visit a dentist of their choice. In case if the members visit a dentist outside the network, then they have to pay the entire cost of their dental care from their pocket.
Besides these, individuals also have the option to join a dental referral or discount program. Though these dental plans are not technically insurance because these plans don’t cover any of the costs of their dental treatments and services. The dentists involved in the plan agree to give a discount in exchange for a subscription fee.
What Does Dental Insurance Cover in Connecticut?
Residents of Connecticut should know that their dental plans don’t provide a list of set benefits just like their ACA-compliant health plans. Instead, dental insurance carriers have the freedom to choose what benefits they wish to cover under their dental plan. This means people should carefully go through the plan’s policy inclusions thoroughly to understand the benefits that are covered under the plan. A majority of dental plans available in Connecticut have common benefits schedule as the “100-80-50” schedule. Individuals having a 100-80-50 plan means that their dental carrier will pay:
- 100% of their preventive care costs that include regular, routine services that protect them from oral health issues like cleanings, x-rays, and oral exams are covered that are considered preventive care.
- 80% cost of basic dental care services that include common oral health issues like cavity fillings, root canals, and crowns.
- 50% of major dental care services costs that are expensive, time-consuming, and invasive procedures carried out to correct complex oral issues like bridges, dental implants, and dentures.
Dental Carriers available in Connecticut
Individuals while out for shopping dental plans in Connecticut should first check the dental plans available in their area. People should always prefer a dental plan of leading and reputed dental carrier that offers a cost-effective dental plan that has a reasonable deductible amount which they can easily afford it. Besides low deductibles, individuals should also choose a dental plan with high maximum benefits so that they can get the most out of their dental plans. Some of the prominent dental insurance carrier serving in Connecticut are:
- Physicians Mutual
- Guardian Direct
Popular Dental Plans Available in Connecticut
- Renaissance Dental Plan III
- Ameritas Hollywood Smile 1500
- Nationwide Classic Select 2000