Author: Health Agent
Short Term Medical Insurance 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.
Be sure to visit our Short Term Health Insurance page for more information.
Maryland Health Insurance in 2019 by Manhattan Life
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.
Medicare and Dental Insurance Plans for Seniors
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.
If you have Medicare Supplement insurance, then you also do not have dental coverage.
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
- PPO dental plans with nationwide dental networks
Be sure to check on Senior Dental Insurance today.
GPM Dental Insurance Plans With No Waiting Periods
GPM Life and Health Insurance Company is somewhat of an unsung hero in the insurance industry. An acronym for “Government Personnel Mutual” (Life Insurance), this company has well over 80 years of experience insuring individuals and families of all types. Offering two unique plans that save you money, and having the benefit of being part of the huge Ameritas network of providers, every individual and family benefits with GPM’s 2,500 dental plans.
For those wishing to use an in-network provider, the GPM dental insurance 2500 plan will give you low deductibles, no waiting period, and access to the huge Ameritas network of dental services providers. The generous $2,500 annual plan maximum gives you peace of mind that no matter what your family’s dental needs, you’ll have quick and easy access to services at an affordable price. The low calendar year deductible of just $25 for up to a maximum of three charges per family also helps keep costs down. There’s never any enrollment fee(s) and you can enjoy the savings from the first day. Coverage amounts also increase on basic services each year you and your family are enrolled, allowing you to enjoy additional savings. Both the network and out of network offerings give you substantial savings on your dental costs such as:
- 100% coverage for preventative services such as cleanings, exams and x-rays
- Up to 80% coverage for basic services such as fillings and extractions
- Up to 50% coverage for major procedures such as bridges, crowns and implants
You’ll be happy to know that GPM dental insurance plans cover exams and preventative services are always covered at 100%, so you’ll never have to put off getting to the dentist. After the first year, basic services coverage increases 15% per year up to the maximum of 80% in the second (and subsequent) year(s). Major services are covered at up to 50% after the first (and subsequent) year(s).
As previously mentioned there are two plans available under the GPM 2,500 umbrella. The GPM 2,500 Network plan is for those who are using or would like to use an in-network dentist that participates in the Ameritas dental network of providers. The network has over 400,000 location choices and 100,000 providers. The Ameritas dental network offers discounted prices, which typically average 30% less than the average for the area.
For members who prefer to have the flexibility of using any dentist, in or out of network, would benefit the most from the GPM 2,500 plan. Additional savings can be achieved for members who choose to stay in network.
Whichever plan is perfect for you and your family, you’ll be happy knowing that the signature personalized customer service offered by GPM Life and Health Insurance Company is certain to please. Also offering life insurance, annuities, final expense and Medicare Supplement plans, they have the right coverage for any family. With over 80 years experience in the business and makes the marks with an A- (Excellent) rating from A.M. Best Company, you’ll be happy knowing that you have an industry expert on your side.
As always, refer to the plan details of your policy or your insurance agent regarding specific details of the plan. Contact your insurance agent to get you and your family started with this great and flexible coverage today!
GPM DENTAL PLAN DETAILS – Dental $2,500
This plan is sponsored by GPM Health and Life Insurance Company
Underwritten by Ameritas Life Insurance Company
- PREVENTIVE SERVICES: Includes exams and cleanings (2 per year), bitewing x-rays – Policy pays 100% day one
- BASIC SERVICES: Includes fillings, simple extractions and panoramic x-rays – Policy pays 50% day one / 65% after year one / 80% after year two
- MAJOR SERVICES: Includes implants, oral surgery, endodontics, periodontics, crowns, bridges and dentures – Policy pays 25% day one / 50% after year one
GPM DENTAL PLAN DEDUCTIBLE
$25 Calendar Year Deductible per person for preventive, basic and major services combined with a maximum of three deductibles per family.
GPM MAXIMUM ANNUAL BENEFIT
$2,500 Calendar Year Maximum Benefit Per a Person.
Are you in need of Dental Insurance that provides coverage immediately? If so please check Dental Insurance Rates in your area:
Dental 2500 brings you the Ameritas dental network with features like:
• Discounted fees, typically 30% below average charges in your community
• Immediate network discounts
• One of the largest nationwide networks with over 400,000 access points and 100,000 unique providers
Plan options utilizing the Ameritas dental network:
The Dental 2500 Network (MAC/MAB) plan is designed for those who will visit an Ameritas dental network provider. If you visit an in-network provider, your out-of-pocket costs will almost always be less because of the contracted fees (MAC/maximum allowable charge). If you visit an out-of-network dentist, you pay the difference between what the plan pays and the dentist’s actual charge (MAB/maximum allowable benefit), which may result in higher out-of-pocket costs.
The Dental 2500 plan is designed for those who value the freedom to visit any dentist, but will enjoy additional savings with an Ameritas dental network provider. While all of our plans allow you to choose any dentist, this plan offers you richer benefits out-of-network than our Network plan. If you use a non-network dentist, covered benefits are paid at the 80th percentile of usual and customary charges. You pay the difference between what the plan pays and the dentist’s actual charge. If
you use an in-network provider, your out-of-pocket costs will be based on the contracted fees (MAC/maximum allowable charge), which may result in lower out-of-pocket costs.
Senior Dental Quotes
The form below is the first step to reviewing all the senior dental insurance plans available in your area. This website works with dozens of dental insurance policies. The best dental insurance policy depends on your exact needs.
Hot Tip: Insurance companies make less money from seniors than any other age group. Seniors have a high rate of plan usage.
Begin My Senior Dental Insurance Quote
Once you submit for your senior dental quote, you will learn about many options that are available. Below are just a few images of some of the most popular dental insurance brands. Our website works with 22 different dental insurance companies and over 50 different plans.
How long until I can use my Dental Insurance?
Preventive dental coverage such as cleanings are always available to use instantly. This means on your policy effective date you are allowed see the dentist, get cleanings, x-rays, and exams.
Some Basic and Major dental procedures may have waiting periods associated with the treatments. However, we work with many companies that offer coverage instantly on basic and major dental work. Learn more about this on our dental insurance page.
What is the Best Senior Dental Insurance Plan?
Our licenses staff handles over 100,000 calls per a year. The only thing we absolutely know 100% for certain is that the best plan depends on what the client needs. QuoteFinder.Org is a site that focuses 100% on the needs of the client. Many times we speak with a husband and wife whose needs are so different, that we enroll them on different dental policies. As an independent insurance agency that is U.S. owned and operated (we never outsource), we earn modest incomes selling affordable consumer driven dental insurance policies, but we understand that each senior needs to be lined up with the best dental insurance policy to meet their unique needs. Many of our policies are only $17 to $40 a month.
If you are reading this exact web page, then it probably means you have dug through the internet and have not found the product that fits your budget and meets your needs. That is the exact client we are looking for. It takes 14 months for our QuoteFinder.Org to train a new agent because the dental insurance world is extremely large. We take pride in helping you on your search.
For every good dental product being sold, the internet has 65 bad products. Our licensed staff can keep you away from the bad products and guide you in the right direction. Approximately 50% of the people we speak with enroll in a plan with us. We have an excellent chance of meeting your senior dental insurance needs.
What is the Best Dental Insurance Plan For Me
While there is not a Best dental insurance policy, their certainly is a Best dental insurance policy for YOU! Our office as spoken to tens of thousands of dental shoppers and with no doubt some plans will work better for you and your family than others. Plans differ primarily in how much you’ll have to pay monthly for your coverage and how much you’ll have to pay when dental services are performed. Most policies require that you pay a co-pay for basic or major services, or meet a specific deductible before the dental insurance begins payment. Other policies limit coverage to a specific dollar amount maximum per year.
However, the main place to start is with your dentist. To be honest most dentists are not even 100% certain of which policies they take and they do not take. This is because a company like Aetna, Anthem, Cigna, and United Healthcare have dozens of different PPO networks. For that simple reason, we strong recommend you work with our office, so we can see which policies your dentist prefers. We do this by checking with numerous insurance companies. As a consumer this access is not readily available to you, so we do the legwork on our end.
When shopping dental insurance, here are questions to ask yourself:
- How much can I afford or would like to spend on monthly basis?
- How much is the deductible?
- Once the deductible is met, how much will the policy pay for my services?
- What dentists participate in the plan’s PPO network?
- Are these dentists that my family and I would like to see?
- Am I willing to change my dentist if it means saving money?
- If I used a dentist outside the plan’s network, how much will I have to pay?
- Are some plans better than others of out of network?
- Are there waiting periods for certain procedures? How long can I wait?
Rather than trying to figure all this out on your own, it is advised to simply get a quote with us and we can help you narrow down your options.
Anthem Blue Cross Blue Shield Dental Insurance Can Help You
Dental health is a vital part of your overall health care. So much so that many symptoms of diseases first show up first in your mouth. The mouth can show early warning sign of general health problems. That is why it is so essential that you have regular dental checkups.
Because your dental health is such an essential part of overall health care, it follows that you should have adequate dental health insurance.
It follows, too, that you should choose Anthem Blue Cross Blue Shield dental insurance.
Here’s why Dental Insurance is purchased through Anthem.
Full preventive coverage is available through Anthem
Many of our plans cover you fully for X-rays, examinations and teeth cleaning. You need not be concerned about additional costs or be hesitant about having your teeth checked regularly. All those expenses are fully covered, providing you with peace of mind from the first day of coverage.
Multiple Dental Plan Choices
You can choose to obtain a dental plan that is part of your overall health care plan or you can obtain a dental plan that is separate from a comprehensive plan. You might find that a separate plan is advantageous to your needs as it offers more choices and more benefits. Your decision depends to a great degree on how you apply for coverage and how you are billed.
Among your choices for a dental health plan are:
- Anthem Dental Family Value
- Anthem Dental Family
- Anthem Dental Family Enhanced
- Dental Smart Access
- Added discounts available on all services
Get a Quote On Anthem Dental Insurance now.
Anthem has one of the most extensive preferred provider organizations (PPO) networks in the nation. Although you are permitted to see any dentist under our plans, choosing a dentist from our network provides you with many benefits. Among those benefits is that we are able to obtain deep discounts for you that range from 25 percent to 32 percent.
Because we have negotiated these rates with our network doctors, they cannot charge you more than these rates. If you choose a network dentist, you pay that dentist your deductible and the percentage that your insurance does not cover. As a result, you save on paperwork because the dentist sends your claims to us directly and we pay the dentist directly.
If you choose a non-network dentist, however, you pay the dentist your deductible, the percentage not covered by your insurance, and the difference between what the dentist charges you and the full amount that we permit to be paid for a dental service. You or your dentist may submit your claims to us and we pay you or your dentist for covered costs.
Because non-network dentists do not have contracts with us, they are able to charge you the difference between the amount we permit for a service and the amount they normally charge, in addition to your coinsurance or deductible. The result is that you pay higher amounts for services from non-network dentists.
Online Dental tools to assist you further
Our services to you go beyond seeing a dentist. We offer you an advice service that you can access via the Internet. Once you are a member, you can log on to anthem.com to access these tools. Click Here to enroll in Anthem Dental.
Here are three of our great online tools that will enable you to gain a better hold on your dental health.
– Ask a Hygienist
You can email your questions to licensed dental professionals who will provide you with fast, personal and private advice at no extra charge.
– Dental Cost Estimator
This tool enables you to obtain estimated costs for your dental work in your area. You simply enter the ZIP code of the area in which you obtain your dental care.
– Dental Health Assessment
In this tool, we ask you a few questions. Based on your responses, we provide you with information that will advise you on action that you should take in order to maintain proper dental health.
Health care reform and pediatric benefits
Under the Affordable Care Act (ACA), all Americans are required to carry a minimum amount of health insurance. Among these requirements are a list of 10 health benefits that health insurance carriers must cover. One of those 10 benefits is pediatric services.
In some states, these services must be included in ACA-compliant plans sold on the Marketplace (also called the Exchange). In other states, however, the benefits can be offered in medical plans off the Marketplace or through a stand-alone policy sold with a medical plan.
Almost all our plans have included pediatric dental coverage since January 2014.
You can obtain this coverage either through a medical plan or through an independent plan such as Anthem Blue Cross Blue Shield Dental Insurance.
If you are eligible for financial aid to assist you in obtaining medical coverage, you are required to obtain your medical plan through the Health Insurance Marketplace. If you are ineligible for financial help and you require a dental plan, you are not required to obtain it on the Health Insurance Marketplace. You can continue to obtain coverage as you have in the past through an agent or directly from an insurance company.
You may find the plans that are not provided through the exchange offer more selections. For more details contact us or view Anthem brochure
The Effects of Dental Hygiene to Body’s Overall Health and Why You need Dental Insurance
Discover the Effects of Dental Hygiene to Body’s Overall Health
Like many parts of the human body, the mouth has plenty of bacteria. Most these microbes are harmless to the body. Under normal circumstances, the body’s immune system, combined with good oral health care, can keep these bacteria under control such that they do not cause any infections. Without proper dental care, these bacteria can multiply up to a dangerous level leading to oral diseases. These ailments can comprise of various gum diseases or tooth decay.
Some medications such as decongestants, painkillers, antihistamines, antidepressants, and diuretics are known to reduce saliva flow. A good flow of saliva is useful is washing away food and also neutralizing acids that are produced by bacteria present in the mouth. Therefore, a good flow of saliva is helpful in protecting you from the invasion of microbes or their overgrowth. The multiplication of these microbes can result in the emergence of dangerous infections and dental bacteria.
Numerous studies have shown that oral bacteria do play a crucial part in causing diseases that do lower the body’s defenses. Lowering of the body’s defenses decreases the body’s resistance to many infections, something that might lead to severe dental problems.
Why You May Need Dental Insurance for Proper Dental Care
It is vital for you to take good care of your teeth and gums. This is because the mouth is the gateway to the entire body, and bacteria found in the mouth can affect the overall health of the body in numerous ways. Many people lack dental insurance and cannot afford proper dental care. Dental insurance not only allows for affordable care, but also helps provide structure to assure two cleanings, x-rays, and exams are performed per a year.
If you have dental insurance or not, it is a good habit to brush and floss every day, at least two times each day to keep the mouth healthy. Most dentists also recommend people to avoid cavity producing foods like sugary treats. It is also recommended to visit the dentist every six months for checkups, most dental insurance plans offer this benefit. Poor dental hygiene usually results in tooth decay and also cavities.
Effects of Not Having Proper Dental Care
In addition, proper dental hygiene is not only good for the teeth and gums but also for the entire body. This is because bacteria that can originate in the mouth can travel throughout the body and cause many health problems. These problems include the following four diseases:
Stroke and heart diseases
Individuals who are suffering from periodontal diseases have a higher chance of developing heart diseases. When plaque enters the blood stream through the gums, it can result in arterial narrowing. Arterial narrowing occurs due to the presence of bacteria that produces a clot promoting protein that usually clogs the arteries. Clogging of arteries increases the risk of heart attack.
When the disease-causing bacteria clog the carotid artery, it may increase the risk of undergoing stroke. The carotid artery is the blood vessel that supplies the brain and head with blood.
Risk of Dementia
Tooth loss that is as a result of poor dental health can cause memory loss, which can signify the early stages of Alzheimer’s disease. Research shows that, when the levels of disease-causing bacteria are high, they release substances that are inflammatory. These substances cause brain inflammation, therefore, leading to the death of brain cells.
Respiratory Problems
Harmful bacteria can affect the lungs, therefore, cause damage to the respiratory systems. Studies show that there is a link between gum infections and increased risk of acute bronchitis and pneumonia.
Diabetes
A large percentage of adults who are suffering from diabetes also have periodontal diseases. Most of them have advanced forms of the dental infections that have resulted in tooth loss. Research shows that periodontal disease makes it difficult for a person to control blood sugar, something that may aggravate other diabetic complications.
Other conditions that may arise that are linked to oral health include rheumatoid arthritis, eating disorders, Sjogren’s syndrome and head cancers. Sjogren’s syndrome is a type of an immune system disorder that makes the patient experience dryness in their mouth.
To adequately protect your oral health, it is vital to practice good oral hygiene on a daily basis. You should practice brushing your teeth at least twice a day and also flossing on a regular basis. You should not overlook eating a well balanced diet and also be limiting eating between meal snacks to avoid teeth decay. You should not neglect to replace your toothbrush after every three months or as soon as you feel that the bristles are frayed. Substances like tobacco smoking should be avoided.
Security Life Dental Insurance and Vision
Security Life provides an original collection of ancillary benefits products (mainly dental and vision insurance products) to both employer groups and individual consumers and is licensed to vend insurance products in 50 states as well as the District of Columbia. Each product offered by Security Life includes flexible and unique features that consumers request in meeting their evolving benefit needs.
What Dental Products and Vision Plans do they offer?
Security life offers the following individual and family dental insurance plans. Get a Quote now.
PrimeStar Plan: Under this plan, the clients can save through a network or have more flexibility with the network option. Their enhanced plan designs give both distribution partners and consumers an ability to pick the best-suited network coverage, an option of adding vision, and calendar year max benefits ($1000 or $2000) to an individual package. It can be purchased by anyone who is over 18 years old.
Security Life Dental Insurance members obtain benefits for preventative, basic and major services on the policy issue date. This plan has no waiting periods, but benefits are limited on basic or major dental work performed the first year of owning the policy (Your health insurance agent can review this with you). It allows the policyholder to have the coverage they require when they need it.major
Also, the plan covers co-insurance costs such as essential services (fillings, x-rays, and simple extractions) 80% of the costs are covered by the plan while the policyholder will bear 20%. Preventative services such as fluoride treatments, teeth cleanings and sealants are covered by the plan as well.
The PrimeStar plan also offers the freedom to pick your own dentist.
Other dental benefits include
- Coverage for people over individuals, families and spouses.
- No enrollment fees.
- 30-day customer satisfaction guarantee which allows unsatisfied clients to cancel their plan within 30 days and all premiums paid will be returned as long as no services were rendered.
- Optional vision rider.
Security Life Group Dental Insurance Plans
Security life helps businesses deliver dental and vision programs to employees and their immediate family members. It offers the Gemstar package which features both dental and vision insurance.
The GemStar dental insurance plans are devoid of waiting periods on a most of their services. Policyholders who are looking to get dental work completed quickly can greatly profit from this. The dental/vision products may be purchased as a package or standalone. This gives each person in a group the ability to pick the best coverage for their family.
The Group dental insurance packages have the unique ability to be issued to as few as two lives. The plans also allows for each member to choose any dentist with the option to use the PPO network for additional savings. Per state requirements, the package doesn’t have a waiting period for most services.
The vision package offers plans which are built to meet the needs of policyholders. Some features include the ability to issue the plans down to only two lives, an option of VSP, non-network plans or EyeMed. The package doesn’t have waiting periods for a lot of their services as well and offer discount LASIK benefits. With additional network discounts available for policyholders.
Examples of Dental Insurance Cost
The plans have different quotes and pricing according to the particular policy required, age of applicants, and location. An example of some includes the dental essential network which goes for $26.17 per month and it offers preventative services without a waiting period. It also only provides a $500 calendar year benefit and no enrollment fees.
The advantage network offers the same package with an additional $1000 calendar year max benefit for the primary services that don’t exceed $500 per a service. It costs only $40.17 per month.
The advantage plus costs $62.19, and it allows its policyholders to visit any dentist of their choice and it comes with no waiting period. The package contains coverage for orthodontic services and offers $1000 calendar year max benefit.
Get Your Dental and Vision Insurance Quotes Now.