Dental insurance plans are designed to meet the needs of your own oral health and the oral health of your spouse and dependents. Affordable dental insurance is within your reach.
Dental insurance is designed to cover a portion of the costs associated with dental services rendered by dentists, oral surgeons, and orthodontists. While it's important to pay attention to the health of your teeth and gums, it can be a costly effort without insurance. More importantly, without dental insurance coverage, you and the members of your family may be tempted to avoid regular checkups and cleanings that are necessary to keep more serious problems at bay.
Dental Insurance through InsuringCT Health Insurance
Dental insurance works much the same way as health insurance does. For a monthly premium (that's the rate you pay each month), you are entitled to dental services like x-rays, cleanings, checkups, and other services that promote healthy teeth and gums. Some plans, of course, provide wider coverage than others and some require greater financial payment when services are rendered.
InsuringCT Dental Insurance Plan Types
Similar to health insurance plans, dental insurance plans are categorized into defined types with differences typically being out-of-pocket costs and choice of providers.
A dental plan that's defined as an indemnity plan allows you to choose any dentist you like and still receive coverage. The insurer pays for covered services only after a claim is received, which means the insured (that's you) will have to front the costs and obtain reimbursement from the insurer by submitting the claim.
A dental plan defined as a managed-care is typically part of a dental provider network in which dentists and orthodontists agree to participate as part of a network to perform services for patients at pre-negotiated rates. In this type of plan, the provider will typically submit the claims for you. In most cases, this plan type means reduced out-of-pocket costs and less paperwork for the insured as the provider is already part of a network.
Discount Dental Plans through InsuringCT
Another type of coverage offered by InsuringCT is a dental discount plan. Discount dental plans are designed to give individuals and families a way to save money on regular and emergency dental procedures without enduring skyrocketing out-of-pocket expenses. Discount dental plans aren't really insurance, they are a membership plan in which members receive dental services at discounted prices by providers who participate in the network.
The advantages of a discount dental plan can include the following, depending on your situation:
- Reduced charges for preventive and basic services
- Reduced charges for most specialty services
- Reduced cost for the coverage
- A wide network of participating providers
Plus, there are no health restrictions and very little in the way of wait time once you sign up.