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PPO Health Insurance for Pennsylvania

Health Insurance Plan for PennsylvaniaIf you live in Pennsylvania you will be happy to know that New Health Insurance Plans are available for 2019. Many large name carriers are 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.

Health Insurance Plans for Pennsylvania, Not Obamacare

Here are some key points:

2019 Medicare Part B Changes

Medicare Part B2019 MEDICARE PREMIUMS AND COPAY/DEDUCTIBLES

2019 PART B PREMIUM

The Medicare Part B standard monthly premium will be $135.50 in 2019, compared to $134 in 2018.

Note: The income-related Part B premiums for 2019 will vary depending on the extent to which an individual beneficiary’s income exceeds $85,000 (or a married couple’s income exceeds $170,000).

 

2019

Income level- File Individual

2019

Income Level- File Joint

 

2019 Part B Premium

 
Less than or equal to $85,000 Less than or equal to 170,000 $135.50
Greater than $85,000 and less than or equal to $107,000 Greater than $170,000 and less than or equal to $214,000 $189.60
Greater than $107,000 and less than or equal to $133,500 Greater than $214,000 and less than or equal to $267,000 $270.90
Greater than $133,500 and

less than or equal to $160,000

Greater than $267,000 and

less than or equal to $320,000

$352.20
Greater than $160,000 and less than $500,000 Greater than $320,000 and less than $750,000 $433.40
Greater than or equal to $500,000 Greater than or equal to $750,000 $460.50

 

2019 COPAY/DEDUCTIBLES

As always, 2019 Medicare supplement benefits match the federal program’s deductible and coinsurance increases, a distinct advantage in today’s ever-changing environment.

 

2019 Medicare Supplement Copay/Deductibles
Feature 2018 Benefits 2019 Benefits
Part A Inpatient Hospital Deductible $1,340 $1,364
Hospital Coinsurance

▪      61-90 days

▪      91-150 days (lifetime reserve)

 

$335

$670

 

$341

$682

Skilled Nursing Facility Care Coinsurance

▪      21-100 days

 

$167.50

 

$170.50

Part B Physician’s Services and Supplies Deductible $183 $185

 

Medicare Part A

Medicare Part AMedicare Part A usually begins when turning age 65. Medicare Part A coverage is typically free if you or a spouse paid Medicare taxes during your working career. The majority of Americans are automatically enrolled in Medicare Part A when they are 65 years old. To receive Part A you must be already eligible to receive retirement benefits, either through Social Security or the Railroad Retirement Board. However, you do don’t have to be actively collecting Social Security benefits as many people wait to file. Disabled Americans who are under age 65 and receive Social Security or Railroad Retirement disability benefits are often eligible for Part A after 24 months, and those diagnosed with End-Stage Renal Disease can obtain Medicare Part A.

Key Points of Medicare Part A

  • Americans may receive their Medicare Card three months before their 65th birthday
  • If you receive Social Security checks and turn 65, you are enrolled in Medicare Part A automatically
  • Most Part A beneficiaries will pay zero premium if they contributed 40 or more quarters of work
  • Medicare Part A becomes effective the 1st day of the month of the beneficiaries 65th birthday

What does Medicare Part A Cover?

Medicare Part A is mostly associated with inpatient hospital care. Here is what you pay:

  • $1,364 annual hospital deductible
  • Days 61-90: $341 per a day
  • Days 91 and later (while using 60 lifetime reserve days): $682 per a day

Important: After lifetime reserve days are used Medicare pays nothing, the beneficiary is responsible for all hospital charges.

Keep in mind the above information only lists costs for Medicare Part A. You would also have Medicare Part B costs.

Blood covered under Medicare Part A

Part A annually covers the first three pints of blood at no cost to the beneficiary. The Medicare beneficiary is responsible for paying for all additional pints of blood per calendar year.

What Else does Part A Cover?

Medicare Part A covers expenses that are incurred during a stay in the hospital as well as brief Home Health services for some situations, and sometimes brief Hospice care and Skilled Nursing Facility care, and occasionally Nursing Home care, provided you are not merely in need of assistance with daily living. Mental health care is also a covered service when admitted to a hospital as an in-patient.

Medicare Part A does not cover cosmetic surgery, acupuncture, eye exams for the purpose of prescribing glasses, most dental work, dentures, standard foot care, custodial care or hearing aids and the exams required for fitting them.

Need Help Understanding Medicare Part A?

The easiest way to get help with understanding Medicare Part A is to fill out a request online to speak with us. It only takes ten or fifteen minutes to do a brief overview to Medicare Parts A and B. In the event that more information is needed, we could help direct you to your local Social Security office for an in person appointment.

While Medicare may seem confusing, we strongly urge you to contact us sooner than later. We find many Americans spend a great deal of time looking at the wrong Medicare products or over complicating how Medicare works. Sometimes a nice conversation with a knowledgeable person, can greatly ease the tensions that come with learning something knew and transitioning to Medicare.

What if I want Medicare with No Co-pays or Deductibles?

Medicare with no cost sharing is no problem. About 25% of all Medicare recipients have Part A and Part B. They add a Medicare Supplement to cover their deductibles and co-pays, and Part D, a prescription drug plan. Our office can easily help with this process. As always, our services are no cost to you.

Aetna Dental Insurance with Added Vision and Hearing

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.

Plan Features

  • 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

Looking for Medical too? If under age 65, check on Aetna PPO with National General. If you are over 65 and on Medicare, you can shop Aetna Medicare Supplement Plans.

When does my Aetna Coverage Begin?

  • Dental Coverage
    • Day 1 for cleanings, x-rays, exams, filings
    • After 1 year for endodontics, root canals, periodontal surgery, bridges, crowns, and dentures
  • Vision Coverage
    • After 6 months
  • Hearing Coverage
    • After 12 months

See a Comparable Plans through Central United Life or Mutual of Omaha.

The Best Dental Insurance Plans Available

The Best Dental Insurance Policies
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

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

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

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.

The Government

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.

Conclusion

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 Temporary Health Insurance Plan Overview

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.

Deductible Options, You Decide: $1,000 | $1,800 | $2,500 | $5,000 | $10,000

The selected deductible must be paid by the covered person before coinsurance benefits begin. Family deductible maximum: Three individual deductible amounts per a policy term.

Coinsurance Percentages: a variety of coinsurance percentages including 20%, 30%, and 50% – You decide.

Out-of-Pocket Limits: $1,000 – $10,000 – You decide

Maximum Benefit per Term: $2,000,000

Check the rates on Short Term Health Insurance.

 

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:

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. 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.

Get Humana Dental Insurance Online

Humana Dental InsuranceHumana 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.

Learn more about dental insurance in the US, or see dental insurance quotes.

Dental Loyalty Plus Plan by Humana

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.

Humana Complete Dental – New

Good health starts with a healthy mouth. Regular dental exams and cleanings can lower the risk of gum disease, which is linked to heart disease, diabetes, stroke, and other serious conditions. The Humana Complete dental plan is designed for people who are looking to maintain their oral health through regular dental exams and cleanings. The plan offers affordable coverage for preventive, basic and major services like routine cleanings and exams, fillings, dentures and extractions. You can lower your cost by choosing one of the more than 270,000
dentist locations in the Humana Dental PPO network.

See the Dental Complete Brochure. Or Get a Dental Quote now.

Humana Dental Preventive Plus

Dentist: Choose any dentist, in-network or out-of-network. Stay in-network and access enhanced savings.

Annual Deductible: $50 for one person or up to $150 for a family ( deductible does not apply to discounted services).

Annual Maximum Benefits: $1,000.

Preventive / Routine cleaning / X-rays: Plan covers 100%.

Office Visits: No copay. All coverage or possible discount is based on services provided.

Waiting Periods: No waiting period for preventive care services; 6 months for basic dental services like fillings and oral surgery.

See Preventive Plus Brochure or Get a Dental Quote now.

More on the Dental Preventive Plus by Humana

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.

Bright Plus Dental by Humana – A new plan option!

Bright Plus Dental is an affordable options for basic dental care. The large Humana PPO and core benefits makes this a best seller.

Texas Obamacare Review

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.

If you are interested in Short Term Medical, learn more here.

Affordable Dental Insurance Plans for Seniors

Dental Insurance for SeniorsKeep 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.

You can read below for more information or Get a Quick Quote.

Dental Insurance for Seniors Plan Benefits

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.

You can read below for more information or Get a Quick Quote.

When Can I Use my Senior Dental Insurance?

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.

Need Coverage? Get a quote on Senior Dental Insurance Plans.

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 InsuranceAetna 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 Dental InsuranceAnthem 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 DentalAssurant 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

CignaCigna 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.

You can read below for more information or Get a Quick Quote.

Humana Dental Insurance

Humana One Dental Insurance for SeniorsHumana 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.

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    NC PPO Health Insurance – Private Health Insurance

    United Healthcare Offers PPO Health Insurance in NCIf 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: