Archive for Month: July 2019
Golden Rule Insurance Company Dental Insurance
Golden Rule Insurance Company, a UnitedHealthcare Company, offers individual and family dental insurance with optional vision insurance is a must when it comes to having quality coverage for you or your family. If your employer does not offer coverage, or you are between jobs or self employed, these dental policies are a very good option. Cleanings, X-rays, and Exams are covered day one with these dental products. Take a closer look to learn about other covered services, such as fillings, root canals, and crowns. And read below to learn about adding vision coverage to your dental policy.
Dental Insurance Benefits Include:
- No Waiting Period for Preventive Care
- Family or Individual Dental Policies
- Plan Options for Basic and Major Dental Services
- National Network of Dentists
- Optional Vision Insurance Rider
Dental care can be challenging to a person’s budget. Individual or Family dental insurance help provide the coverage and convenience needed to keep smiling brightly.
Want to learn more about Dental Insurance? view Dental and Vision Insurance Plans.
Many Dental Plan Options are Available
Primary plans include:
- Primary Dental – more affordable coverage – Get a Quote
- Primary Plus Dental
- Primary Preferred Dental
- Primary Preferred Plus Dental – Use Any Dentist
- See the Primary plans brochure
The Premier plans include:
- Premier Choice Dental – a very popular option – Get a Quote
- Premier Plus Dental – includes coverage for braces / dental implants
- Premier Elite Dental
- Premier Max Dental
- See the Premier plans brochure
The Gen plans (for individuals age 64+) include:
- Gen Basic Dental
- Gen Saver Dental
- Gen Deluxe Dental – a very popular option – Get a Quote
- Gen Plus Dental – Use Any Dentist
- Learn more about the Dental Gen Plans
Why so Many Dental Options?
Dental insurance policies can vary greatly in price and coverage levels. While a young person may simply want an inexpensive plan for cleanings, x-rays and exams, a person age 65 may want coverage for major dental work or crowns and root canals. On the other hand a family may be interested in coverage for braces, while another family may not have any need for coverage on braces.
Here are some key things to know about Golden Rule Insurance Company dental insurance plans
- Traditional Policy Design and Easy to Understand
- Two Cleanings, X-rays, Exams Covered Per a Calendar Year
- National Network that offers Discounted Rates!
- Annual maximum benefits from $1,000 to $3,000 per a year
- Optional Vision Rider in most states
Learn more? Get A Quote.
Vision Insurance – An Optional Benefit
When buying Dental insurance you can package it with vision insurance in most states. An additional premium is required to add the vision insurance. This is an excellent way to save money as vision insurance on its own would cost more. Some of the best features of the vision insurance are:
-Network Eye Exams: – covered every 12 months
-Frames: Covered every 12 months – up to network allowance
-Select Contact Lenses: covered every 12 months
-The Network includes : Private practices along with leading retailers!
What is the Cost of Dental and Vision Insurance?
Plan rates vary by state and coverage levels. Applicants may save money by applying for both dental and vision coverage at the same time.
More on Dental Insurance by Golden Rule Insurance Company – a UnitedHealthcare Company
The dental insurance plans easily pair with other supplemental coverage. Golden Rule Insurance Company offers Fixed Indemnity, Accident, and more, through a single carrier.
Dental Gen Plans – Dental Insurance for Seniors by Golden Rule Insurance Company, a UnitedHealthcare Company
Dental Gen Deluxe is a dental, hearing and vision plan for age 64 and above. These dental plans not only includes preventive, basic, and major dental coverage, but also coverage for dental implants.
Underwriter: Golden Rule Insurance Company – a UnitedHealthcare Company
Information below is from the Golden Rule Dental Gen Brochure:
Preventive Care (deductible does not apply)
Policy pays 100% day one
Waiting Period : No waiting period
Basic Services Deductible (maximum 3 individual deductibles per family, per calendar year)
You pay: $50 per person (combined basic and major services)
Major Services Deductible (maximum 3 individual deductibles per family, per calendar year)
You pay: $50 per person (combined basic and major services)
Policy pays 10% day one
40% after policy year one (in most states)
50% after policy year two
Waiting Period: No waiting period (in most states)
Orthodontics: Not covered
No waiting period
Exam – $75 per person, per policy year
Hearing Aids: $100 day one $300 after policy year one
$500 after policy year two
$750 after policy year three
Benefit increases each policy year is not used. If the benefit is used during any policy year, it will start over at the $100 level. Hearing benefit provides benefits in a stated amount regardless of the actual expenses incurred.
Annual Maximum (per calendar year)
We pay up to: $2,000 per person, per calendar year
Vision Benefit: Optional Vision benefits available in most states, for a small additional premium – often less than a separate vision plan!
Learn More, View the Dental Gen Brochure
Current Medicare Plan G Policy Holders
|If you are currently a Medicare supplement Plan G policyholder, you may have heard about upcoming changes regarding the availability of Medicare supplement Plans C, F and High-Deductible F. With all the information that’s out there, we want to make sure you know the facts.|
|Effective January 1, 2020, the Medicare Access and CHIP Re-authorization Act of 2015 (MACRA) will not allow those who become Medicare-eligible after December 31, 2019 to purchase plans that cover the Medicare Part B deductible.|
|Current Medicare-eligible beneficiaries are not affected by this ruling.|
Check on Plan G Medicare Supplement Rates
|For current Plan G Policy holders this means…|
|Your Medicare supplement coverage will not change. It will continue paying its benefits as outlined in your policy. Your policy will continue as long as premiums are paid on time. Plans C, F and High Deductible F still will be available where offered.|