Archive for Month: February 2019
Ameritas Dental Insurance Plans
Ameritas offers affordable dental and vision insurance plans for individuals and families. Ameritas plans have several options available so the insured can tailor them for a perfect fit. There are two different dental plans under the Advantage Plus umbrella. The PrimeStar vision plans offer different levels of coverage under either VSP or EyeMed, the two top providers of vision plans in the US. Listed below will be details of the coverage Ameritas offers. Plan benefits can vary slightly from state to state.
Save Money with the Ameritas PPO Dental Insurance Plan
The Advantage Plus II plan allows you to utilize an Ameritas Dental Network dentist for additional savings. This plan provides graduated coverage, so the percentage paid by the insurer increases each year. You are able to select this plan either with or without orthodontic coverage for those up to age 19. In general, the Ameritas Dental Network also provides the following benefits:
- Discounted fees of up to 30%
- Immediate in-network discounts
- One of the largest dental networks nationwide
Get a Quote to see the rates on Ameritas Dental Insurance.
The Advantage II Plus Network plan specifically offers the following benefits:
- 100% Preventative Care
- A minimum of 35% and up to 80% of basic services
- A minimum of 15% and up to 50% on major services
- A minimum of 15% and up to 50% on Orthodontics (optional)
Preventative services include two exams, cleanings and x-rays per year and fluoride and sealant treatment for patients under 16 years old. The annual calendar year deductible for all services is only $50, and orthodontic coverage has a lifetime maximum of $1,000.
Get a Quote to see the rates on Ameritas Dental Insurance.
Basic services include fillings and simple extractions and major services include many different services as listed below:
- Implants
- Oral Surgery
- Endodontics
- Periodontics
- Crowns
- Bridges
- Dentures
- Panoramic x-rays
Get A Quote On Ameritas Dental
Choose ANY Dentist with Ameritas Advantage II Plus Plan
The Advantage II Plus plan offers the same level of coverage listed above and also allows patients to choose ANY DENTIST, however, additional savings apply when using an in-network provider.
Not all dentists are listed in a PPO network, so if your dentist does not accept insurance, it does NOT mean you can’t use insurance. The Ameritas Advantage II PLUS plan offers enhanced benefits, so you can still submit dental claims to Ameritas. Many dentists who do not accept PPO dental insurance will even help you turn in a claim to Ameritas. After all the the dentist does want your business!
VSP Vision Insurance through Ameritas
Vision plans are also available. PrimeStar Select Vision offers benefits through any EyeMed Access provider. The plan has no waiting periods and offers a vision exam once per year. Co-pays apply for in-network coverage and out of network providers are given allowance amounts. Lens enhancements are also available in-network with an additional co-pay ranging from $15 to $65 and enhancements outside the standard scope are offered at a discounted rate. The plan also provides additional discounts after the plan amounts have been exhausted, and the balance of any uncovered charges such as designer frames. Discounts are also available for Lasik procedure(s). The standard benefits are as follows:
- Contact Lenses
- Frames
- Single vision, bifocal, and trifocal lenses
- Lenticular lenses
PrimeStar Choice Vision is designed for use in the VSP Vision Care Provider network. In-network services require a copay and out of network coverage is also provided with an allowance. Most lens enhancements are not given an allowance, with the exception of standard progressive lenses. The plan also provides additional discounts for items that exceed the coverage amounts and an additional $25 discount on selected frames. Discounts are also available for elective procedure(s) such as Lasik vision correction. The benefits are as follows:
- Frames
- Lenses
- Contact Lenses
- Single, Bifocal and Trifocal lenses
- Lenticular lenses
Lens enhancements can be purchased with additional co-pays ranging from $16 to $50, and other enhancements outside the typical coverage level are available at a discount.
Please note that coverage(s) and amount(s) may vary based on location and the exact level of coverage(s) selected. Ameritas will gladly provide a quote from an expert based on location and the level of coverage(s) required. Having great insurance doesn’t have to be a complicated task, Ameritas experts are able to be reached by telephone, live chat or e-mail. Check on Ameritas Dental and Vision Quotes!
Private Aetna PPO by National General Health Insurance Company
If you are shopping for Private Health Insurance be sure to check our Aetna PPO plans being offered by National General Insurance Company. These affordable plans are an excellent option for individuals and families who buy their own health insurance. The Aetna Open Choice PPO Network is one of the largest doctor networks in the country.
Key Points:
- Aetna Open Choice PPO Network – 664,000 participating providers
- Copay Plans available in Most States
- $1 Million Dollar Limits Available
- $50 Copays On Urgent Care
- Choose Your Deductible: $1,000 | $2,500 | $5,000
Your first step is to view rates is to obtain an online quote.
The Aetna Open Choice PPO Network plans by National General Insurance Company are most popular for these shoppers.
- Healthy shoppers who want basic coverage
- Consumers who are not eligible for Obamacare/ACA Subsidy
- Students looks for an affordable option
- Early Retires who cannot afford ACA coverage
- 26 year old’s who are dropped from their Parent’s policy
URGENT CARE is a popular benefit on these plans. An urgent care facility is a medical facility providing immediate, non-routine urgent care for an injury or sickness treated on a walk-in basis. This policy provides you with unlimited visit for a $50 copay. Your medical deductible is waived and remaining expenses are applied to co-insurance. This is a popular benefit and thousands of Urgent Care facilities participate with Aetna Open Choice PPO.
Since these policies are private policies. They do require a basic health questionnaire. The questions mostly focus around pre-existing conditions including but not limited to cancer, heart attack, stroke, diabetes, COPD, drug or alcohol abuse, etc. Furthermore people who are currently in the middle of care would most likely to best to buy an ACA/Obamacare plans. The reason is because private policies, such as these, do not cover pre-existing conditions. Pre-existing conditions are referred to as conditions for which medical advice, diagnosis, care, or treatment (including services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received within the 12 months immediately preceding the effective date, unless a lesser period is required by state regulation.
This coverage is not required to comply with federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.
Also, this coverage is not “minimum essential coverage”. If you don’t have minimum essential coverage for any month in 2018, you may have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for that month. For 2019 the tax penalty goes away. Mandated ACA compliant coverage is not required starting January 1st 2019.
Fill out the information below to learn more about plans rates and to see if this is a good options for your 2019 health insurance policy.