Get the Right Dental Insurance for a Healthy Smile

Not many people enjoy going to the dentist, but having the right dental insurance can make those dental visits easier to bear. 

It is important to invest in your dental health as much as you do in your general health. 
 
For personalized service and ongoing support from a dedicated staff, partner with the experts at the HIQS Group in Bethel, CT. Call 203-730-8304 or stop by for a free consultation today!

There are two types of "stand alone" dental coverage available for individuals and families: 
Full Dental Insurance plans & Discount plans.

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Full Dental Plans

• Dental expenses are reimbursed to you or your provider.
• They give you negotiated AND discounted prices if you use in-network providers.
• Be aware of waiting periods before certain procedures are covered.
• Pay attention to the annual maximum benefit amount each plan will cover.
• Vision coverage can be added at a reasonable rate.

Recommendation: If you don’t have a specific dentist in mind, this may be the best option.​

​UnitedHealthcare (Golden Rule)
Strong network, many plan options

Click here to quote UnitedHealthcare

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Cigna
Better pricing, smaller network.
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Great option for anyone switching from a Cigna group plan.
Waiting periods will be “rolled over” and won’t re-set for all types of procedures. 

Click here to quote Cigna

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​Spirit
Offers two types of plans:

1. PPO plan with a small network; offers negotiated rates
2. Non-PPO: Use any dentist; rates are not negotiated so treatment may be more expensive​​

​Delta Dental
Strong network, range of plan options

Click here to quote Delta Dental

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Discount Dental Plans

• Discount plans are not insurance plans.
• Offer a reduced rate on dentistry when you use a dentist in their network
• Lower premiums
  • $80-$160 per year for individuals
  • $120-$200 per year for families
• Some plans include vision benefits and free cleanings.

​Recommendation: If your preferred dentist is in one of the networks, this is probably best option.

DentalPlans.com 

Compare many carriers to find providers and plans that fit your needs.

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Other Options to Consider

• “Add-on” coverage to your health insurance.
• ​Group Dental coverage may be offered through an employer.

Dental Insurance is key for growing families.  Joseph is a true professional who has your best interest in mind.  I'd recommend him to anyone looking for an insurance provider that'll do the shopping for you.
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-Rick Falci, Family Martial Arts Center of Brookfield.

Joseph's knowledge truly sets him apart from other insurance agents.  It's been a pleasure to converse with an expert who takes the time to breakdown the ins and outs of insurance policies in a way to that his customers and clients understand.
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​-Luke Huizinga, Elite Plumbing