Olr research report



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OLR RESEARCH REPORT



December 4, 1998




98-R-1435


DENTAL INSURANCE PLANS FOR SENIOR CITIZENS








By: Helga Niesz, Principal Analyst




You asked what dental insurance plans are available in Connecticut for senior citizens.


No insurance companies offer separate dental insurance plans to Connecticut senior citizens (people over age 65) on an individual direct-pay basis, according to Dan Albert, principal examiner in the Insurance Department. Even for people under 65, only two companies are offering such individual plans: Mutual of Omaha and Continental General.
None of the standardized Medicare supplement plans (A through J) offer dental insurance.
Seniors who are members of four of the Medicare managed care plans in the state receive some minimal dental coverage. One of Anthem Blue Cross-Blue Shield’s plans covers two dental cleanings and four bitewing x-rays a year with a $10 copay. MedSpan has an annual $50 reimbursement limit on dental services. Physicians’ Health Services offers two cleanings a year and a full-mouth x-ray every three years, as part of its high option plan with a $20 copay. Aetna U.S. Healthcare’s plan offers a dental discount of 20 to 30% if their members use a dentist in their network.
Seniors’ main options for dental insurance are group plans through their employers, or, if they are retired, former employers.
HN:pa










D'Ann Mazzocca, Ph.D.

Phone (860) 240-8400

FAX (860) 240-8881

http://www.cga.state.ct.us/olr





Room 5300

Legislative Office Building

Hartford, CT 06106-1591

Olr@po.state.ct.us


Connecticut General Assembly

Office of Legislative Research










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