Archive for Month: June 2016
Shop No Waiting Period Dental Insurance Texas
Shopping for no waiting period dental insurance Texas is something we can help you with at QuoteFinder.org. We have Texas dental insurance plans available with no waiting periods. All policies on this site true dental insurance policies approved by the Texas Department of Insurance. The Texas no waiting period policies are unique to select states including Connecticut, Illinois, Texas, and Missouri. If you reside in Texas read below to obtain more information.
See the Dental Insurance Rates
Texas Dental Insurance Plan Benefits Overview
Preventive Coverage: Includes two dental cleanings per a year. For those under 18, fluoride treatments and sealants are also covered.
Basic Coverage: X-rays, simple extractions, and dental fillings.
Major Coverage: Crowns, root canals, oral surgery, periodontics, bridgework , and dentures.
Texas No Waiting Period Dental Insurance Coverage Levels
Preventive Coverage: 100% as of Day One
Basic Coverage: 50% as of Day One (policy pays 65% after 1 year, and 80% after two years)
Major Coverage: 50% as of Day One
If you are in the market for no waiting period dental insurance in Texas, review the coverage levels carefully. By understanding the dental benefits, you’ll clearly understand how your dental policy works.
If you reside in Texas and instantly need X-rays, a crown, and a root canal, this policy would pay for your procedures as follows:
Instantly the policy would cover 50% on all services. The savings on these three procedures could be anywhere from $700-$1000 depending on where your services are completed. Texas is such a large state that a usual and customary charge in Dallas may be different than that in Austin.
If you have shopped online for Texas dental insurance you will know that these benefit levels are spectacular for first day coverage. Most dental insurance plans in TX have twelve month long waiting periods before major services are covered.
If you would like to check rates, please get a dental quote.
Dental Insurance Coverage Maximums for Texas
The coverage maximum a dental policy will pay in Texas is $1000 per a calendar year. If more coverage is needed an applicant can pay around $7 a month additional premium and the max can be raised to $2,000. Keep in mind on a no waiting period policy only half your policy limit can be dedicated to major dental work. So if you add the $2,000 limit, only 50% can be used on major dental work (so $1,000), the other 50% would be used on basic coverage such as fillings, x-rays, and extractions.
It is important to remember that the max out of pocket benefit is in addition to the PPO dental network rate. When you use the no waiting period dental PPO network you also receive the insurance company contracted rate. So, for example, the normal rate on a root canal in Texas is $1,155 per a tooth, but with the PPO dental the cost is reduced to around $717 in most regions. Your cost would be 50% the $717 or $358.50 per a root canal.
If you needed to get a filling done, the average retail rate is approximately $187 per a filling. Through the dental PPO network the rate is $110. Within the first year of having your plan, the rate would be approximately $55 in most parts of Texas.
Please understand that a $1000 benefit is what the insurance company pays in addition to giving you access to the reduced rates.
Texas Dental Insurance Deductibles
Most people are familiar with deductibles, but if you are not, a deductible is the amount of money that you must pay before services are covered. For Texas residents the dental insurance has a One Time preventive services deductible of $50. After this money is paid one time, the preventive services deductible is never paid again for the life the of the policy.
In addition to the preventive coverage deductible, the no waiting period dental insurance plans have a $50 calendar year deductible for basic and major dental services. The $50 deductible would only be paid if basic or major dental services are received. The $50 is only paid once per a calendar year. Remember, the deductible is not paid if basic or major dental work is not needed.
To learn more about no waiting period dental insurance in Texas, simply get an online dental quote. Vision coverage can also be added to your dental insurance policy.
Missouri Dental Insurance No Waiting Period
Missouri dental insurance plans are available with no waiting periods. The plans available are real dental insurance policies and are NOT discount plans. The no waiting period benefit is unique to only a few states including Connecticut, Illinois, Texas, and Missouri. Keep reading to learn about the policy benefits in Missouri.
See the Dental Insurance Rates
Missouri Dental Insurance Plan Benefits
Preventive Services: Two dental cleanings per a year. Children also receive fluoride treatments and sealants.
Basic Services: Fillings, x-rays, and simple extractions.
Major Services: Oral surgery, periodontics, crowns, bridges, and dentures.
Missouri No Waiting Period Dental Insurance Coverage Levels
Preventive Services: 100% Day One
Basic Services: 50% Day One (policy pays 65% after 1 year, and 80% after two years)
Major Services: 50% Day One
Please review the percentage of coverage carefully as these benefits are important to how your plan works.
For example, if you reside in Missouri and instantly need a cleaning, X-rays, filling, and a crown, this policy would pay for your services as follows:
Day one the policy would cover 100% on the cleaning. However, the x-rays and filling are basic dental work, so the plan would only cover 50% of the cost. The same 50% would apply to the crown which falls under major dental work.
If you have shopped much for dental insurance you will know that these benefits are excellent for first day coverage. Most dental insurance plans have long waiting periods before basic and major procedures are covered.
If you would like to check rates, please get a dental quote.
Dental Insurance Coverage Limits for Missouri
The standard yearly coverage amount a dental policy will pay for Missouri is $1000. However for around $7 a month extra the maximum amount can be raised to $2,000. It is important to know that only half your policy limit can be used for major dental work. So if you purchase the $2,000 limit only half can be used on major dental work, the other half would be used on basic services such as x-rays, extractions, and fillings.
Dental insurance shoppers must remember that the max out of pocket benefit is in addition to the PPO network rate. When you use the no waiting period dental PPO network you also receive the insurance company rate. So, for example, the normal rate on a crown in Missouri is $1,185 per a tooth, but with the PPO dental insurance the rate is reduced to around $751 in most regions. Your cost would be half the $751 or $375.50 per a crown.
For another example, if you were looking to get a composite filling, the national average retail rate is $187 per a filling. Through the dental insurance PPO the rate becomes $110. During the first year of your plan your rate would only be $55 in most parts of MO.
It is very important to understand that a $1000 benefit is what the dental insurance pays in addition to getting the insured the reduced rates.
Missouri Dental Insurance Deductibles
A deductible is an amount of money that you must pay before services are covered. For Missouri residents the dental insurance has a One Time preventive coverage deductible of $50. After this deductible is paid, the preventive coverage deductible is never paid again.
In addition to the preventive deductible the plan has a $50 calendar year deductible for basic and major dental services. This $50 deductible would need to be paid if you have basic or major dental procedures completed. The $50 deductible is only paid once per a calendar year. The deductible would not be paid if basic or major dental work is not received.
To see rates or learn more about Missouri dental insurance, simply get a dental quote. Vision coverage can also be added to your dental insurance.
Medicare Supplement Insurance Agent in Perrysburg, Ohio
If you live in Perrysburg, Ohio and are approaching Medicare age, you may want to speak with Medicare Insurance Agent Andrew Bennett. Andrew is native to the area and works with all the Medicare Supplement and Medicare Advantage plans offered in the greater Toledo area. Andrew attended St. Rose School in Perrysburg and graduated from Bowling Green State University.
Why work with Andrew Bennett:
- 8 years experience in the medical insurance industry
- Familiar with a multitude of plans
- Familiar with local facilities and doctors
- Available to enroll people online or in person
- Is always phone call away: 419-931-6514
It is FREE to work with Andrew as he is paid by the Ohio insurance companies. All rates are the lowest possible – it’s the law!
Contact Info:
Andrew Bennett
PO BOX 1091
Perrysburg, Ohio 43552
NPN License Number 10224328
Direct: 419-931-6514
Toll Free: 877-991-4249
Request a Medicare Quote
Medicare Insurance Agents in Cleveland Ohio
Residents of NE Ohio approaching Medicare, may want to speak with Medicare Insurance Agent Ashley Tozzi. Ashley is native to the Cleveland area and works with all the Medicare Supplement and Medicare Advantage plans offered in the greater Northeastern Ohio area. Ashley attended Solon High School and Walsh Jesuit in Cuyahoga Falls and graduated with a Bachelor’s degree in Health Services Management from Ursuline College near Beachwood. Prior to becoming an agent, Ashley spent several years working for health systems including the Cleveland Clinic main campus and surrounding satellite locations.
Key points a Licensed Medicare Insurance Agent lives by:
- Integrity: Always take the high road
- Be a matchmaker: try to find the best product match for every client
- Patience is Key: Medicare can be confusing
- Guidance: Inform clients of potential risks and guide them to quality products
Live in Cleveland Area? Use an “Authorized to Offer” Medicare Insurance Agent
Ashley is an “Authorized to Offer” agent, this means Ashley meets certain qualifications that enable her to offer a multitude of Medicare Supplement or Medigap products. As an independent agent, she can provide expanded options to help meet clients’ complex insurance needs. Ashley is not captive to any insurance company. This means Ashley works for you. Some of the common companies Ashley works with are Anthem BCBS, Aetna, Cigna, Humana, Medical Mutual, Mutual of Omaha, and United Healthcare to name a few.
HOT TIP #1: It is no cost to work with Ashley. She is paid by the insurance companies to assist with enrolling people in Medicare products.
HOT TIP #2: Ashley is a National Producer, so you don’t have to live in the Cleveland area for Ashley to assist you.
HOT TIP #3: Ashley also offers Dental, Vision, Life Insurance, Final Expense, and Long Term Care.
Click here to get in touch with Ashley
Spirit Dental Coverage for Implants
Baby Boomers are reaching retirement age and may be losing their dental insurance. Spirit Insurance is available at affordable rates with no maximum issue age.
Why Buy Seniors Need Dental Insurance
- Spirit Dental coverage has No Maximum Issue Age
- Regular dental and eye exams can show signs of oral cancer, heart disease, diabetes and other diseases. Spirit dental insurance can help identify other health problems
- Spirit Dental and vision insurance provides access to a national provider network with over 270,000 dentist
Why Seniors Buy Spirit Dental Coverage
- Spirit Dental No waiting periods for all services
- Next day effective dates to qualified applicants
- Choose your own PPO dentist
- 3 cleanings per calendar year
- Choose from $1200 or $3500 annual maximums
- Optional vision coverage with EyeMed
- 30-day policy satisfaction guarantee
- No monthly association or billing fees
- Dental implants are covered under Spirit
- 80,000+ MaxCare PPO Providers
- 90% Usual and Customary for Indemnity dental insurance products
- $100 lifetime deductibles on dental policies
- Guaranteed acceptance to qualified applicants
- Child Orthodontia coverage available