Archive for Month: October 2017

Maryland Health Insurance in 2018 – United Healthcare PPO

If you live in Maryland you will be happy to know that New Health Insurance Plans are available for 2018. United Healthcare is now offering Private Health Insurance Policies. Prices on these policies are 40% less than the Obamacare plans, and the plans are PPO coverage so you can choose your doctor and hospital.

United Healthcare Plans for Maryland, Not Obamacare

United Healthcare has moved forward to its own solution to the US healthcare crisis. Here are some key points:

Medicare and Dental Insurance Plans for Seniors

Medicare and DentalOnce a year Medicare beneficiaries can enroll into or change their Medicare Advantage Plan. This year’s Annual Enrollment Period runs from October 15 to December 7. This is also the best time to also check on dental insurance.

Medicare will not cover most dental needs. For example Medicare does not cover dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices.  The exception would be reconstruction of the jaw following accidental injury that severely damaged the individual.

Some Medicare Advantage plans do have a limited dental benefit, however this is not the comprehensive coverage a person is used to from when they may have had employer group benefits. What is more concerning is Medicare recipients are more in need of dental coverage than any other segment of the population. The average person over 65 years old or older spends $1,154.00 a year on dental care.

If you have Medicare Supplement insurance, then you also do not have dental coverage.

Many seniors are now purchasing an individual dental plan to get comprehensive coverage on services such as root canals, dentures, crowns, bridgework, and dental implants. Here are some standard listings of what most dental policies cover.

  • No waiting periods on most preventive and basic services
  • Fixed pricing, regardless of age
  • No deductible for preventative services
  • Coverage for major services, including crowns, bridges, root canals, dentures and implants
  • PPO dental plans with nationwide dental networks

Be sure to check on Senior Dental Insurance today.