Archive for Month: October 2017

Maryland Health Insurance in 2019 by Manhattan Life

Manhattan Life

If you live in Maryland you will be happy to know that New Plans are available for 2019. Manhattan Life is now offering private fixed indemnity healthcare plans in MD.

Affordable Choice Plans MD

Affordable Choice Key Points:

  • Use any Doctor, Facility or Hospital: You Decide!
  • Apply ANYTIME, these Private Policies are not subject to Open Enrollment
  • Five plan designs to fit your needs and budget

Manhattan Life is now offering five Affordable Choice plan options in Maryland. All plans include Your first step is to get an online quote.

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    MF

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    Insurance Type (check all that apply)

    HealthShort TermDental/VisionMedicare

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    Manhattan Life Dental and Vision Insurance

    Manhattan Life also offers Dental and Vision Insurance policies in Maryland. These plans have been a popular option in Maryland for many years. Be sure to check on these plan rates if you are interested in Dental and Vision coverage.

    The Affordable Choice plans shown above are limited benefit fixed-indemnity plans and benefits are per Covered Person. This is not a major medical insurance plan. Fixed-indemnity benefits are provided for hospital confinement and specified medical and surgical events. These benefits are paid in daily amounts for covered events without regard to the costs of services rendered. This plan does not provide expense reimbursement for charges based on your health care provider’s statement.

    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.