Archive for Month: February 2019

Dental and Vision Insurance Plans and Packages

Dental and Vision Insurance Quotes

If you are shopping for dental and vision insurance quotes you came to the right place. We offer both stand alone dental and stand alone vision policies. However, it is important to know that buying coverage in a package is usually more cost effective. Right now the market has limited policies that are available to individuals and families in search of both dental and vision insurance. Packaging the policies can save you up to $50 per a year.

Hot Tip: Most policies only issue one bill and one card for the dental and vision insurance policy. This give you less to worry about, because you only have one policy to keep track of.

Get Dental / Vision Insurance Quotes

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Dental and Vision Quotes

Once you submit for your dental and vision Insurance quote request, you will learn about many packages that are available to you. Here are some frequently asked questions that almost all shoppers have.

Can I use my Dental Insurance Right Away?

The answer is YES. Your preventive dental coverage is available to use instantly. This means on your policy effective date you are allowed see the dentist, get cleanings, x-rays, and exams. If you are in need of dental insurance with no waiting periods on fillings or major dental work, we can also have recommendations for this type of coverage.

Right now in the US an average cost of cleanings, x-rays, and exams is around $250-$400 depending where you reside. With dental insurance you can simply pay your first months premium and have this coverage instantly.

Basic and Major dental work coverage may have some waiting periods associated with the treatments. These waiting periods depend on the policy design. Almost all companies offer immediate access to the insurance company rate on all procedures. Learn more about this on our overview to dental insurance page.

Can I use my Vision Insurance Right Away?

Yes, your vision insurance can be used right when your policy become effective. If in the past you ever paid full retail price for eye exams, contacts, or glasses, then you are in for a pleasant surprise. Your next visit may cost you as low as $10 in co-pays. It is not uncommon for people to call our office and tell us they spent $500 on new glasses. Once you have vision insurance, you can put those days behind you. The dental and vision insurance combo is one of the longest lasting policies in the insurance industry, with average utilization you’ll get your money’s worth.

What is the Best Dental and Vision Insurance Bundle?

Dental and Vision Plans

Right now it depends on where you live and the number of members applying. The beauty of QuoteFinder.Org is that we work with all the companies. We are 100% designed to meet your needs. As an independent insurance agency, we earn very little money selling dental and vision insurance policies but see the need in the marketplace. If you’ve arrived at our site, that means you probably have already dug through a dozen other sites trying to sell you discount plans or other dental products from companies you never heard of before. You may have felt a bit leery about those products and that is the correct feeling to have.

Today the internet has ten bad products for every good product being offered. With our guidance and friendly staff we can answer your questions and get you pointed in the correct direction. Of the people we talk to, 1 in 2 enroll in a plan with us. We have good chance of meeting your dental needs.

Here are the reasons why dental insurance may not be right for you.

  • Plans cost between $20 – $50 and some people just can’t fit this into their budget.
  • Many people want braces covered and dental insurance is NOT designed to offer much benefit for braces. We prefer NOT work with these consumers as we know they will expect more and receive less.
  • Some consumers have completely ignored their dental health, and even with a top of the line dental insurance policy, they would still have to pay thousands to fix the problems.
  • Some shoppers, are simply shoppers. The idea of dedicating an increment of time to choosing a quality product and moving forward with the purchase is just not the way they lead their life.

Here are the reasons why dental insurance IS a good fit for you.

  • You value your dental hygiene
  • You understand the importance of a good smile
  • Traditionally, you get two cleanings every year
  • You’ve always had dental and vision insurance and understand it’s value
  • You understand that dental insurance keeps you on track with having two annual visits
  • You fully know that sooner or later you WILL need your dental insurance for fillings, crowns, root canals, etc and you want to be ready for when those bills come.

Learn more about dental hygiene in the US. Or Get A Quote On Dental and Vision Insurance.

Ameritas Dental Insurance Plans

Ameritas Dental and Vision InsuranceAmeritas 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

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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!

Mutual of Omaha Dental and Vision Insurance

Mutual of Omaha Dental InsuranceAfter providing Medicare Supplement coverage to over 1 million Americans, Mutual of Omaha will soon be offering dental and vision insurance. Most people are very familiar with Mutual of Omaha from their diverse portfolio of life insurance, long term care, and of course medicare supplement products.

Come October 2017 Mutual will be offering two competitively priced dental options. This will be a nice option for individuals and families along with Medicare recipients. The goal is one stop shopping for medicare supplement, dental, and vision.

Keep reading to learn more about these two exciting products.

Mutual Dental Preferred Insurance Policy

The highest level of coverage offered is the Mutual Dental Preferred Policy. This insurance policy pays as follows:

  • Deductible: $0 per year for preventive services / $50 per year for basic and major services
  • Preventive services: Two Cleanings per year / Bite-wing X-rays – 100% Covered, Insured Pays Nothing
  • Basic Services: Fillings, Extractions, Emergency Treatment, 80% Insured Pays 20%
  • Major Services: After a 12-month waiting period, Crowns, Dentures, Bridges, Root Canals, Periodontics, Full-mouth X-ray, Oral Surgery / 50% Insured pays 50% (Dental Implants, see below)

Calendar Year Benefit: $1,500. This is the maximum amount the policy pays each calendar year for all covered services.

Dental Implants. Lifetime Maximum Benefit for implants is $3,000 This is the maximum amount the policy pays for dental implants.

Read the Dental Insurance Overview.

Mutual Dental Protection Insurance Policy

The lesser level of coverage offered is the Mutual Dental Protection Policy. This insurance policy pays as follows:

  • Deductible: $100 per year for all services
  • Preventive services: Two Cleanings per year / Bite-wing X-rays – 100% Covered, Insured Pays Nothing
  • Basic Services: Fillings, Extractions, Emergency Treatment, 50% Insured Pays 50%
  • Major Services: After a 12-month waiting period, Crowns, Dentures, Bridges, Root Canals, Periodontics, Full-mouth X-ray, Oral Surgery / 50% Insured pays 50% (Dental Implants, see below)

Calendar Year Benefit: $1,000. This is the maximum amount the policy pays each calendar year for all covered services.

Dental Implants. Lifetime Maximum Benefit for implants is $2,000 This is the maximum amount the policy pays for dental implants.

Get a Dental and Vision Insurance Quote.

Mutual Vision Benefit

The Mutual Vision Benefit can be included in either dental policy. It is an additional rider that will have an additional premium.

  • Provides a reimbursement benefit
  • Pays up to $50 every calendar year for one eye exam (no waiting period)
  • Pays up to $150 every two calendar years for eyeglasses or contact lenses (after a six-month waiting period)

Medicare and Dental Insurance Coverage

Mutual Dental insurance policies are designed to help pay for the dental services American’s need and to give members the confidence of knowing what their out-of-pocket costs will be. Medicare doesn’t cover dental services. That means costs for things like routine cleanings, fillings, root canals, bridges and dentures come out of pocket. With Medicare recipients living longer, it is very important to have proper dental hygiene and to keep on top of preventative dental care.

Learn more about Mutual Of Omaha.

Compare similar Dental, Vision, and Hearing plan options with Central United Life or Aetna Dental Vision Hearing.

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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 are affordable Association Plans that are offered in 12 month increments in most states, but not all states. This is a private policy that can be purchased by individuals or families who are under the age of 65.

Key Points:

  • Aetna Open Choice PPO Network – 664,000 participating providers
  • 12 Month Policies available in Most States
  • $1 Million Dollar Limits Available
  • $50 Co-Pays 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.

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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.