Aetna Dental, Vision, and Hearing offers valuable protection by including three types of coverage in one policy. Aetna is trying to help your family smile bigger and brighter, protect healthy vision to see clearer, and hear the world just that much better.
Guaranteed Acceptance – No Health Questions
Guaranteed Renewable – as long as you pay your premiums on time
Issue ages 0-89
For individuals or families
Choose $1,000 or $1,500 max benefit per policy year that covers dental, vision, and hearing per person
Plan deductible is $100 per policy year per a person
Freedom to choose any provider or get even better pricing by using Aetna in-network providers
Benefits paid directly to insured or to the provider
30-day free look – return your policy for any reason within 30 days for a full refund of all premiums paid
Finding a good health insurance plan is essential in keeping up with one’s physical health. It keeps the cost to the patient at a somewhat affordable level and may even help find a better group of doctors who provide amazing care. The same can be said for dental care. Finding good dental insurance is critical to keeping teeth healthy. As such, it is good to know some of the dental insurance policies available.
Golden Rule Insurance Company, a UnitedHealthcare Company
These robust dental policies focus on preventive, major, and emergency dental procedures. Preventive care such as cleanings, x-rays and Exams are covered without a waiting period or a deductible.
The plans cover basic dental services as well as major procedures like a root canal, but this depends on the plans deductible and waiting periods. The PPO offers more than 400,000 dentists, and no claim forms are needed since in-network dentists get direct payment.
There are some age restrictions on dental insurance. Some plans are for age 64 and above, while other plans are for under age 65. Many different plans are offered with many different benefits. Each plan can be customized to best fit the person purchasing it.
Humana is another insurance company that provides individual and family dental health insurance. Humana has a significant amount of dental insurance plans, all of which are affected by many factors. For example, age, gender, and dental needs can all affect the type of plan that is best for a certain individual.
Humana has plans that differ in benefits. Some plans have a higher premium, monthly payment, than others. Differing plans also have differing co-pays and deductibles, both of which are paid by the patient. Certain plans provide discounts, so the patient would pay the dentist directly at a discounted price. Again, Humana does not have an age limit.
Ameritas is another company that offers dental insurance. Ameritas has no age restrictions for its dental policies, and Ameritas allows next day effective dates to begin coverage.
Ameritas has no co-pays for preventive dental care, and these preventive care benefits are more expansive when using an in-network dentist. The network includes over 382,000 dentists, which reduces the amount of paperwork. Ameritas has a resourceful customer support team that is always available to answer questions and resolve problems.
Ameritas offers plans for individuals beginning as low as $19 a month for the most basic coverage in some states. The most expensive monthly individual plan is $35 a month, and it covers preventive care, restorative care, and orthodontic work. Plan premiums begin to change as more people are added, but Ameritas provides a wide enough variety that everyone should be able to find coverage.
Also see GPM Dental which uses Ameritas PPO Network.
Aetna is an insurance company that offers real insurance but like to market its dental discount plans. While not the same as insurance, the discount card will provide a some decrease in the cost of dental procedures for in-network dentists. For an individual, the cheapest discount plan is $7.99 per month, and, for a family, the cheapest discount plan is $10.99. For both, the initial cost is $15. We do not recommend these plans as they are not real insurance….
The discount has a network of dentists achieving more than 200,000 dentists across the United States. Most procedures will see a 15-50% discount through any of the available dental discount plans. Dental specialists accept the discount plans too. Some of the available discount plans offer discounts for vision and hearing care as well as dental care.
The dental discount plans are not as flexible as plans from Ameritas or United Healthcare, but they are still useful. The discounts may be enough for someone who cannot afford full-coverage or for someone who does not want to pay for full-coverage.
When using the Health Insurance Marketplace, it is possible to purchase dental insurance through the government. To get a dental plan through the Marketplace, a person must be purchasing a health plan as well. Some of the plans in the Marketplace come with dental insurance, which will be shown when comparing the plans. The coverage has low limits and it needs to be purchased with an SEP or during Open Enrollment…..it is not a very good product, certainly not the best dental insurance….
Sometimes, there are dental plans available that are stand-alone. They are not a part of health insurance plans, but they must still be bought at the same time as health insurance is bought. This also means that there will be two monthly premiums that must be paid. Some plans offer high deductibles and low premiums, while others offer low deductibles and high premiums.Dental insurance is considered a necessary benefit for children. Children must be offered dental insurance, whether it is through a stand-alone plan or mixed with a health plan. For adults, dental insurance is not considered necessary. Insurers are not required to provide or even offer a dental insurance plan to adults.
Insurance can seem like a complicated beast, but all it takes is some time to understand it. Finding the right plan for a family or individual can save more money in the end since waiting for a dental disaster can be expensive.
IHC Health Insurance has become one of many companies to surface over the last few years. IHC does not partake in any ACA qualified plans and focuses on consumer driven health products, such as Temporary Health Insurance. Many states allow clients to purchase back-to-back temporary policies. Many consumers have chosen this option as their preferred option for coverage. This is mostly due to the affordability of these policies and the flexibility of use.
This site works with a multitude of temporary and short term medical providers. We recommend filling out a quote form so shoppers can see the best selling plans in their area.
Temporary Health Insurance Options
IHC currently has two options for short term medical coverage. First we will discuss the Connect 2.0 plan which is the more affordable of the two options. The goal is to obtain affordable coverage and not worry about gaps in coverage while you’re between health care plans. Here are the most common reasons to buy a temporary policy.
Missed open enrollment: If you have missed the opportunity to Connect coverage during the open enrollment period, you may be ineligible to buy a major medical policy until the next open enrollment period, unless you have a qualifying event. No need to worry, we got you covered!
Waiting for an ACA plan to start: Many plans on the Health Insurance Marketplace are extremely expensive and offer only one effective
date, the first of the month. Depending on when you submit your application, and how long it takes you to prove qualifying for a SEP, Special Enrollment Period, you may have to wait up to 45 days for your coverage to begin. Often that is a best case scenario and sometimes it can take up to several months, or many consumers report having to wait until the next January 1st for coverage to begin.
Newly Hired: Often, an employer-sponsored plan includes a waiting period before health insurance benefits begin. No need to worry, we got you covered!
Filling the Gap: Coverage can begin as early as the day following your online application, if approved, and last up to 90 days. AND many states offer instant re-apply to obtain longer lengths of coverage.
Unique Plan Benefits
$50 Office Visit Copay: The copay applies to the first covered office visit during the policy period. After the copay, the balance of the
doctor office visit charge is covered at 100 percent. Additional covered expenses incurred during the office visit, including expenses for laboratory and diagnostic tests will be subject to plan deductible and coinsurance.
Covered expenses: includes treatments, services and supplies for:
Physician services for treatment and diagnosis
X-ray exams, laboratory tests and analysis
Mammography, Pap smear and prostate antigen test
Emergency room, outpatient hospital surgery or ambulatory surgical center
Surgeon services in the hospital or ambulatory surgical center
Services when a doctor administers anesthetics up to 20 percent of the primary
surgeon’s covered charges
Assistant surgeon services up to 20 percent of the primary surgeon’s covered charges
Surgeon’s assistant services up to 15 percent of the primary surgeon’s covered charges
Ground ambulance services up to $500 per occurrence
Air ambulance services up to $1,000 per occurrence
Organ, tissue, or bone marrow transplants up to $150,000 per coverage period
Acquired Immune Deficiency Syndrome (AIDS) up to $10,000 per coverage period
Blood or blood plasma and their administration, if not replaced
Oxygen, casts, non-dental splints, crutches, non-orthodontic braces, radiation and
chemotherapy services and equipment rental
Inpatient covered expenses:
Hospital room and board, doctor visits and general nursing care up to the amount billed for a semi-private room or 90 percent of the private room billed amount
Intensive care or specialized care unit up to three times the amount billed for a semiprivate room or three times 90 percent the private room billed amount
Prescription drugs administered while hospital confined
Pre-existing Condition: Connect 2.0 will not provide benefits for any loss caused by or resulting from a pre-existing
condition. A pre-existing condition is any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding the covered person’s effective date of
coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment. (Notice Plan Option 2, Connect Plus (see below) does have a higher level of coverage for pre-existing).
Usual and reasonable charge: The usual and reasonable charge for medical services or supplies is the lesser of: a) the amount usually charged by the provider for the service or supply given; or b) the average charged for the service or supply in the locality in which it is received.
With respect to the treatment of medical services, usual and reasonable means treatment that is reasonable in relationship to the service or supply given and the severity of the condition. In reaching a determination as to what amount should be considered as usual and reasonable,
we may use and subscribe to a industry reference source that collects data and makes it available to its member companies.
Continuing Coverage: If your need for temporary health insurance continues, most states allow you to apply for another short-term medical plan. Your application is subject to eligibility, underwriting requirements and state availability of the coverage. The next coverage period is not a continuation of the previous period; it is a new plan with a new deductible, coinsurance and pre-existing condition limitation. It is best to fill out a quote and shop all available options and speak with an agent to get the best plan for you.
Connect Plus – Temporary Health Insurance with a limited benefit for pre-existing conditions. Providing peace of mind during times of transition.
Connect Plus is a short-term medical (STM) insurance plan with a limited benefit for pre-existing conditions. STM, sometimes called short-term medical limited duration insurance, is designed to provide coverage during transitions or gaps in major medical coverage. Most STM plans do not cover healthcare expenses for pre-existing medical conditions. Connect Plus provides a benefit up to a maximum of $25,000 for eligible pre-existing healthcare expenses. This policy is a step above the standard Connect 2.0 policy explained above.
Why Short Term Health Insurance?
Short Term Health Insurance plans provide coverage during life transitions. When you are between group insurance or individual major medical policies, these temporary health plans pay for covered medical expenses due to unexpected illnesses or injuries. Covered expenses include diagnostic physician visits, emergency room treatment, hospital stays, surgery, intensive care and more, but do not include maternity care or outpatient prescription drugs. Learn more about Short Term Health Insurance.
An IHC Health Insurance Plan may be right for you if you:
Have missed the open enrollment period and aren’t eligible for special enrollment under the Affordable Care Act (ACA)
Are waiting for your ACA coverage to start
Are waiting for health insurance benefits to begin at a new job
Are looking for coverage to bridge you to Medicare
Are turning 26 and coming off your parent’s insurance
Are losing coverage following a divorce
Are needing an alternative to COBRA
Are healthy and under age 65
Customize Your Plan: Select from various benefit levels which best meet your coverage and premium needs. You can also include other supplemental coverage such as dental or a discount prescription drug program to obtain additional coverage.
Quick and Convenient: Coverage can begin as early as the day following your online application. The underwriting process is simple and policy fulfillment, including claims and ID cards, are available online.
Cost Effective: Temporary health insurance plans are affordable. While short term medical does contain limitations when compared
to traditional major medical plans, the premium is generally lower.
You may want to keep the following in mind as you plan for your needs and
explore your options:
IHC plans do not meet the Minimum Essential Coverage requirements under the ACA and may result in a tax penalty. Temporary plans are designed to provide temporary healthcare insurance during unexpected coverage gaps.
The ACA-compliant medical plans are guaranteed issue, meaning you cannot be denied coverage based on your health history. These plans are underwritten, which means you must answer a series of medical questions when applying for
coverage. Based on your answers, you may be declined for coverage.
Unlike the ACA plans, which are required to cover the 10 Essential Health Benefits (EHB), These IHC plans cover some EHBs but not necessarily all. Plans will vary in what they cover, so you should check your plan details carefully.
IHC Plans are not Affordable Care Act (Obamacare) Plans
IHC plans do not meet ACA standards. The ACA is a Federal law that requires all major medical plans to provide specific benefits and mandates that most Americans have health plans that qualify as Minimum Essential Coverage (MEC). These rules do not apply to IHC plans.
Pre-existing Condition – How it works
Unlike most temporary health plans, Connect Plus provides a benefit for eligible preexisting conditions. The plan provides up to a maximum of $25,000 for eligible medical expenses for a pre-existing condition, per person, per policy. After the $25,000 maximum has been reached, expenses due to pre-existing conditions are not covered. The definition of a preexisting condition is listed below:
A pre-existing condition is any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding the covered person’s effective date of coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment. This period of time may vary by state.
Utilize a network provider and save
With your plan, you have the freedom to choose any provider. In certain markets, you also have access to discounted medical services through national preferred provider organizations (PPOs). These network providers have agreed to negotiated prices for their services and supplies. While you have the flexibility to choose any healthcare provider, the discounts available through network providers for covered services may help to lower your out-of-pocket costs. At the time of service, simply present your identification card which will include
the network information needed for the provider to correctly process covered billed charges.
Continuation of Coverage: If your need for temporary health insurance continues, most states allow you to
apply for another IHC plan. Your application is subject to eligibility, underwriting requirements and state availability of the coverage. The next coverage period is not a continuation of the previous period; it is a new plan with a new deductible, coinsurance and pre-existing condition limitation. Note that based on your state, you may be limited to two or three consecutive terms only.
Is Temporary Health Insurance the Right Choice for Me?
It is recommended to get a short term medical insurance quote on this site, so you can see a multitude of options. Then it is advised to speak with one of our licensed agents so you may ask questions and review products. Products vary greatly from state to state and an agent can help explain what is unique about your state. Since the start of the ACA, temporary health insurance plans have become more and more popular.
Humana dental insurance is an affordable way to obtain dental coverage in many states. Humana offers a rang of plans including PPO and HMO options. The Dental Preventive Plus is the most affordable plan, while the Dental Loyalty is the most comprehensive. If you are normally in need of major dental work the Dental Loyalty would be the best way to go. Get a Quick Quote.
Which Humana Dental Insurance Policy is Correct for Me?
Humana offers different levels of coverage to meet different needs. Humana dental insurance can also be combined with a vision plan. All coverage is easy to understand and easy to purchase through this site. Humana’s PPO network includes hundreds of thousands of dentists and optometrist. No matter which policy you choose, you’ll have access to a large number of providers.
Dentist Options: Choose any dentist, in-network or out-of-network. Get enhanced saving by using an in-network dentist.
Annual deductible: One-time deductible for the life of the policy: $150 per person up to $450 for a family.
Preventive / Routine cleaning / X-rays: Plan covers 100% for two cleanings a year and 40-70% for X-rays.
Office Visits: No copay. Coverage or possible discount is based on unique services provided.
Annual Maximum Benefits: $1,000 1st year, $1,250 2nd year, and $1,500 3rd year and onward.
Waiting Periods: None. You can start saving right away. The longer you have the plan the more you save!
More about Humana Dental Loyalty Plus
The Humana Loyalty Plus plan REWARDS YOU with increasing benefits from years one to three. This plan has no waiting period for covered services. Members can choose to visit any dentist that you prefer. However, you can save even more by accessing Humana’s dental PPO network and picking one of the more than 130,000 dentists who are contracted with Humana to offer you lower rates.
While the Humana Dental Preventive Plus focuses on coverage for preventive and basic services, discounts may be available on major services like crowns, bridgework, as well as orthodontics for people of all ages. These special Humana dental insurance discounts are only available with in-network dentists. After you get a dental quote, you can see more details about benefits and discounts.
This is a letter from one of our health insurance clients, we though we would share this information
Obamacare is something that seems like a great idea, although the results have not been the best. I have a fairly unique perspective on the Affordable Care Act, based on the fact that I have experienced this from a variety of angles. I was originally on my parents health insurance plan, as you can remain on this type of plan well into adulthood. This plan was fairly expensive, but the overall quality of health insurance was absolutely top notch. I found myself in my twenties and having very little income, while having to rely on food stamps. I applied for MarketPlace Health Insurance, which is the platform to get health insurance in the state of Texas.
Based on the income that I was making at the time, I was only qualified for Medicaid, which is a program for health insurance that is at the bottom end. There were not really any options to select, but it all was essentially free. I ended up making a doctor appointment and when I got to the medical office it appeared more like a homeless shelter than a medical facility. The wait time to see a doctor was incredibly long, the service was terrible and the overall quality of health insurance was dismal. The only benefit I perceived in this Medicaid system was potentially being able to receive coverage in a hospital if I was in some sort of emergency. This system did not appear to work at all, based solely on the fact that the volume of people crowding into these medical offices were huge.
Since that time my income has increased to the point that I am qualified to purchase a plan through the state network. I got referred to www.QuoteFinder.Org from my friend and I purchased an Obamacare plan that I had the last few years and could not be happier with my plan. My insurance was very affordable each month, based on the fact that there is a subsidy that is attributed to my plan each month. This lowers the actual cost, allowing me to pay my bills, yet at the same time have access to a top notch medical network. My plan was originally around thirty dollars per month. The overall quality of my insurance has not changed since I’ve been on the plan. The main concern that I have had with the Affordable Care Act is the fact that you need to be able to make a certain amount of money in order to receive a legit plan. The reality is, if you are making under twelve thousand dollars, you are inevitably going to have a plan that is low quality. If you make over that amount, you have access to a plan that is going to provide a great level of protection for yourself and your family.
Now, here is my problem for 2018. I got a raise and my plan has gone up to $487 a month to have the same good level of coverage. So now in 2018 I am being punished for making too much money (it’s really not that much money at all). I called my agent and we reviewed some non-compliant policies. So now I pay $118.00 a month for short term health insurance and I don’t have Obamacare. That was the only way I could stay insured, have a low deductible and still get to see my doctor, which I hardly ever go anyways.
At this point, I guess I am happy with my medical insurance, although my country and government does not understand as American’s we all need to have access to the same level of coverage. It is unacceptable for people to solely base a plan availability on meeting a random set of income requirements.
Keep your teeth healthy with dental insurance for seniors. This site provides seniors with many options for affordable dental insurance. As humans begin to age, we find our teeth need more and more care. One of the simplest things you can do is have quality dental coverage to keep on track with your dental needs.
No Co-pays for Preventive! This means you get two cleanings, two exams, and X-rays each year, and you pay nothing. Free fits in everyone’s budget!
During those tough years when dental problems occur, you only pay a $50 deductible and then the plan pays percentages between 50% and 80% depending on which plan you choose.
Access to National PPO Networks! PPO dental plans are popular for seniors due to ease of access. PPO plans allow members to select their own dentist. These plans are praised not only for flexibility, but also the access they provide to low cost dental procedures compared to indemnity plans. With a PPO dental policy the insurance company give you negotiated rates. Essentially, the insurance company has the dentist sign a contract guaranteeing you wholesale rates. While PPO networks offer the greatest savings to plan members who select an in-network dentist, members still have the freedom to choose a provider out-of-network.
Increasing Annual Maximums! Many dental insurance plans for seniors reward you for continued plan participation. Plans such as the Humana Loyalty Plus. Meanwhile the Dental Gen Plans give you first day benefits beyond a $1000 limit.
In many cases after you are enrolled, all covered benefits are available on your effective date. After submitting your application, it takes about seven days to receive your card in the mail. It is best to wait for your card before going to the dentist, but many applicants do book an appointment right after they apply for coverage.
Is Dental Insurance for Seniors Available for my Entire Family?
Yes, it is no problem to enroll your spouse, or your children on your dental policy. The rates do go up in relation to the amount of members you have on the policy. Larger families may see a slight discount in cost. When adding vision to the dental policy, the dental and vision package will give you more discounts depending on household size.
Dental Insurance for Seniors has Vision too?
Yes, you can add vision insurance for a very little amount. Many plans only charge $5 – $7 extra for vision insurance. Seniors can save a great deal of money by packaging dental and vision.
How much does Senior Dental Insurance Cost, I’m on a budget?
With millions of seniors being on a fixed income, dental insurance coverage may not fit in everyone’s budget. The good news is that some plans available are as low as $16 a month. While these plans do have limitations, they still get you access to much needed dental care. The key point to dental care is routine. Individuals with dental insurance are twice as likely to have a cleaning every six months as opposed to a person without dental insurance. A great benefit of dental insurance is that it adds structure to a person’s dental care. When cleanings are free members take advantage of the benefit.
Dental Insurance Companies for Seniors
There are many dental insurance companies for seniors. Some companies specifically sell policies to seniors, while other companies are open to applicants of all ages. Some larger states such as Florida and Texas have many options for senior dental insurance, while smaller states may only have a few plans available. Here is a listing of some of the most popular companies offering dental insurance through seniors.
Aetna Dental Insurance
Aetna Dental Insurance is offered in limited areas at this time. Aetna mostly offers coverage to employers and companies that participate in large group coverage. In years past Aetna dental insurance for seniors was mostly offered in conjunction with a Medicare Supplement plan.
Anthem Dental Insurance
Anthem Blue Cross Blue Shield offers dental insurance in most states, and is probably the most popular in Georgia, Indiana, and Virginia. However, the Anthem BCBS dental is currently overpriced. If you have Anthem Blue Cross Blue Shield dental insurance, we strong suggest getting a quote for a new plan. Anthem is a popular option for employer group dental, but not as much for individual coverage or dental insurance for seniors.
Assurant Dental Insurance
Assurant Health which has recently come to be known as Time Insurance company. Offers indemnity dental insurance. These plans are neither PPO nor HMO, but rather a policy that focuses on re-reimbursements. These types of plans are best for people whose doctors are not, in-network, and do not accept insurance. The problem with Assurant dental is that applicants have to file claims on their own. So first you would pay for the service, and then submit the claim to the insurance company.
Cigna Dental Insurance
Cigna was recently purchased by Anthem Blue Cross Blue Shield, but they still offer dental policies for seniors under the Cigna name. Cigna dental is available in a handful of states. Like it’s parent company Anthem, Cigna dental is most commonly purchased by employers and used in connection with large group insurance.
Humana dental insurance is marketed under the branding of HumanaOne. HumanaOne dental insurance is a true individual product created for people who have to buy their own coverage. Visit our HumanaOne Dental Insurance web page to learn more.
Golden Rule Insurance Company – a UnitedHealthcare Company offering Private Dental Insurance
This dental insurance is underwritten and sold by Golden Rule Insurance Company. It is a commonly purchased dental insurance for individuals and families of all ages. These dental insurance products have existed for decades and have the ability to offer quality PPO coverage. Golden Rule Insurance Company, is a UnitedHealthcare company that offers it’s policies to individuals, families, and seniors. It also has an optional vision rider which many applicants add to their policy. Visit our Golden Rule Dental Insurance web page for more details.
What about Discount Dental for Seniors?
Be very leery of any Discount Dental Plans. A Dental Plan is NOT Dental Insurance. All the plans we represent on this site are REAL Dental Insurance. This means it would contain plan benefits typical to what you may have experienced in the past through an employer. One of the most notorious sites for discount cards is DentalPlans. It is very seldom that these products would make sense to purchase. Discount cards seldom contribute ANY money toward any procedure. They simply get you a discount…. Discount Cards are NOT insurance and are NOT reviewed by the department of insurance.
I thought Medicare Covered My Dental Insurance Needs?
No, Medicare does not cover you dental needs. Some Medicare Advantage plans may offer limited dental coverage, but for the most part Medicare Part A is Hospital and Medicare Part B is out-patient. The good news is QuoteFinder.Org offers several affordable dental insurance plans for seniors.
How do I Get a Quote on Dental Insurance for Seniors?
It is best to fill out the quote form below to get access to a number of plans available to you. The quote form below will give you more information.
If you live in North Carolina you will be happy to know that New Health Insurance Plans are available for 2019. Many major health insurance carriers are 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.
Healthcare Plans for North Carolina, Not Obamacare
Here are some key points:
Use any Doctor, Facility or Hospital: You Decide!
Rates 50% Less than ACA, Obamacare Plans, or the MarketPlace.
Enroll ANYTIME, these Private Policies are not subject to Open Enrollment
Quotefinder.Org is now offering five private health insurance options in NC. Your first step is to get an online quote.
Short Term Medical is an easy way to obtain coverage as quickly as tomorrow. Plans are sold in 1 – 12 month increments depending on the state you reside in. The policies are sold month-to-month and are far more affordable than Obamacare or employer coverage. Get your Short Term Medical quotes here.
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.
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.
Once 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.
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
Insurance plans have exclusions, limitations, reduction of benefits and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call your insurance agent.