Author: Health Agent
Shop No Waiting Period Dental Insurance Texas
Shopping for no waiting period dental insurance Texas is something we can help you with at QuoteFinder.org. We have Texas dental insurance plans available with no waiting periods. All policies on this site true dental insurance policies approved by the Texas Department of Insurance. The Texas no waiting period policies are unique to select states including Connecticut, Illinois, Texas, and Missouri. If you reside in Texas read below to obtain more information.
See the Dental Insurance Rates
Texas Dental Insurance Plan Benefits Overview
Preventive Coverage: Includes two dental cleanings per a year. For those under 18, fluoride treatments and sealants are also covered.
Basic Coverage: X-rays, simple extractions, and dental fillings.
Major Coverage: Crowns, root canals, oral surgery, periodontics, bridgework , and dentures.
Texas No Waiting Period Dental Insurance Coverage Levels
Preventive Coverage: 100% as of Day One
Basic Coverage: 50% as of Day One (policy pays 65% after 1 year, and 80% after two years)
Major Coverage: 50% as of Day One
If you are in the market for no waiting period dental insurance in Texas, review the coverage levels carefully. By understanding the dental benefits, you’ll clearly understand how your dental policy works.
If you reside in Texas and instantly need X-rays, a crown, and a root canal, this policy would pay for your procedures as follows:
Instantly the policy would cover 50% on all services. The savings on these three procedures could be anywhere from $700-$1000 depending on where your services are completed. Texas is such a large state that a usual and customary charge in Dallas may be different than that in Austin.
If you have shopped online for Texas dental insurance you will know that these benefit levels are spectacular for first day coverage. Most dental insurance plans in TX have twelve month long waiting periods before major services are covered.
If you would like to check rates, please get a dental quote.
Dental Insurance Coverage Maximums for Texas
The coverage maximum a dental policy will pay in Texas is $1000 per a calendar year. If more coverage is needed an applicant can pay around $7 a month additional premium and the max can be raised to $2,000. Keep in mind on a no waiting period policy only half your policy limit can be dedicated to major dental work. So if you add the $2,000 limit, only 50% can be used on major dental work (so $1,000), the other 50% would be used on basic coverage such as fillings, x-rays, and extractions.
It is important to remember that the max out of pocket benefit is in addition to the PPO dental network rate. When you use the no waiting period dental PPO network you also receive the insurance company contracted rate. So, for example, the normal rate on a root canal in Texas is $1,155 per a tooth, but with the PPO dental the cost is reduced to around $717 in most regions. Your cost would be 50% the $717 or $358.50 per a root canal.
If you needed to get a filling done, the average retail rate is approximately $187 per a filling. Through the dental PPO network the rate is $110. Within the first year of having your plan, the rate would be approximately $55 in most parts of Texas.
Please understand that a $1000 benefit is what the insurance company pays in addition to giving you access to the reduced rates.
Texas Dental Insurance Deductibles
Most people are familiar with deductibles, but if you are not, a deductible is the amount of money that you must pay before services are covered. For Texas residents the dental insurance has a One Time preventive services deductible of $50. After this money is paid one time, the preventive services deductible is never paid again for the life the of the policy.
In addition to the preventive coverage deductible, the no waiting period dental insurance plans have a $50 calendar year deductible for basic and major dental services. The $50 deductible would only be paid if basic or major dental services are received. The $50 is only paid once per a calendar year. Remember, the deductible is not paid if basic or major dental work is not needed.
To learn more about no waiting period dental insurance in Texas, simply get an online dental quote. Vision coverage can also be added to your dental insurance policy.
Missouri Dental Insurance No Waiting Period
Missouri dental insurance plans are available with no waiting periods. The plans available are real dental insurance policies and are NOT discount plans. The no waiting period benefit is unique to only a few states including Connecticut, Illinois, Texas, and Missouri. Keep reading to learn about the policy benefits in Missouri.
See the Dental Insurance Rates
Missouri Dental Insurance Plan Benefits
Preventive Services: Two dental cleanings per a year. Children also receive fluoride treatments and sealants.
Basic Services: Fillings, x-rays, and simple extractions.
Major Services: Oral surgery, periodontics, crowns, bridges, and dentures.
Missouri No Waiting Period Dental Insurance Coverage Levels
Preventive Services: 100% Day One
Basic Services: 50% Day One (policy pays 65% after 1 year, and 80% after two years)
Major Services: 50% Day One
Please review the percentage of coverage carefully as these benefits are important to how your plan works.
For example, if you reside in Missouri and instantly need a cleaning, X-rays, filling, and a crown, this policy would pay for your services as follows:
Day one the policy would cover 100% on the cleaning. However, the x-rays and filling are basic dental work, so the plan would only cover 50% of the cost. The same 50% would apply to the crown which falls under major dental work.
If you have shopped much for dental insurance you will know that these benefits are excellent for first day coverage. Most dental insurance plans have long waiting periods before basic and major procedures are covered.
If you would like to check rates, please get a dental quote.
Dental Insurance Coverage Limits for Missouri
The standard yearly coverage amount a dental policy will pay for Missouri is $1000. However for around $7 a month extra the maximum amount can be raised to $2,000. It is important to know that only half your policy limit can be used for major dental work. So if you purchase the $2,000 limit only half can be used on major dental work, the other half would be used on basic services such as x-rays, extractions, and fillings.
Dental insurance shoppers must remember that the max out of pocket benefit is in addition to the PPO network rate. When you use the no waiting period dental PPO network you also receive the insurance company rate. So, for example, the normal rate on a crown in Missouri is $1,185 per a tooth, but with the PPO dental insurance the rate is reduced to around $751 in most regions. Your cost would be half the $751 or $375.50 per a crown.
For another example, if you were looking to get a composite filling, the national average retail rate is $187 per a filling. Through the dental insurance PPO the rate becomes $110. During the first year of your plan your rate would only be $55 in most parts of MO.
It is very important to understand that a $1000 benefit is what the dental insurance pays in addition to getting the insured the reduced rates.
Missouri Dental Insurance Deductibles
A deductible is an amount of money that you must pay before services are covered. For Missouri residents the dental insurance has a One Time preventive coverage deductible of $50. After this deductible is paid, the preventive coverage deductible is never paid again.
In addition to the preventive deductible the plan has a $50 calendar year deductible for basic and major dental services. This $50 deductible would need to be paid if you have basic or major dental procedures completed. The $50 deductible is only paid once per a calendar year. The deductible would not be paid if basic or major dental work is not received.
To see rates or learn more about Missouri dental insurance, simply get a dental quote. Vision coverage can also be added to your dental insurance.
Medicare Supplement Insurance Agent in Perrysburg, Ohio
If you live in Perrysburg, Ohio and are approaching Medicare age, you may want to speak with Medicare Insurance Agent Andrew Bennett. Andrew is native to the area and works with all the Medicare Supplement and Medicare Advantage plans offered in the greater Toledo area. Andrew attended St. Rose School in Perrysburg and graduated from Bowling Green State University.
Why work with Andrew Bennett:
- 8 years experience in the medical insurance industry
- Familiar with a multitude of plans
- Familiar with local facilities and doctors
- Available to enroll people online or in person
- Is always phone call away: 419-931-6514
It is FREE to work with Andrew as he is paid by the Ohio insurance companies. All rates are the lowest possible – it’s the law!
Contact Info:
Andrew Bennett
PO BOX 1091
Perrysburg, Ohio 43552
NPN License Number 10224328
Direct: 419-931-6514
Toll Free: 877-991-4249
Request a Medicare Quote
Medicare Insurance Agents in Cleveland Ohio
Residents of NE Ohio approaching Medicare, may want to speak with Medicare Insurance Agent Ashley Tozzi. Ashley is native to the Cleveland area and works with all the Medicare Supplement and Medicare Advantage plans offered in the greater Northeastern Ohio area. Ashley attended Solon High School and Walsh Jesuit in Cuyahoga Falls and graduated with a Bachelor’s degree in Health Services Management from Ursuline College near Beachwood. Prior to becoming an agent, Ashley spent several years working for health systems including the Cleveland Clinic main campus and surrounding satellite locations.
Key points a Licensed Medicare Insurance Agent lives by:
- Integrity: Always take the high road
- Be a matchmaker: try to find the best product match for every client
- Patience is Key: Medicare can be confusing
- Guidance: Inform clients of potential risks and guide them to quality products
Live in Cleveland Area? Use an “Authorized to Offer” Medicare Insurance Agent
Ashley is an “Authorized to Offer” agent, this means Ashley meets certain qualifications that enable her to offer a multitude of Medicare Supplement or Medigap products. As an independent agent, she can provide expanded options to help meet clients’ complex insurance needs. Ashley is not captive to any insurance company. This means Ashley works for you. Some of the common companies Ashley works with are Anthem BCBS, Aetna, Cigna, Humana, Medical Mutual, Mutual of Omaha, and United Healthcare to name a few.
HOT TIP #1: It is no cost to work with Ashley. She is paid by the insurance companies to assist with enrolling people in Medicare products.
HOT TIP #2: Ashley is a National Producer, so you don’t have to live in the Cleveland area for Ashley to assist you.
HOT TIP #3: Ashley also offers Dental, Vision, Life Insurance, Final Expense, and Long Term Care.
Click here to get in touch with Ashley
Spirit Dental Coverage for Implants
Baby Boomers are reaching retirement age and may be losing their dental insurance. Spirit Insurance is available at affordable rates with no maximum issue age.
Why Buy Seniors Need Dental Insurance
- Spirit Dental coverage has No Maximum Issue Age
- Regular dental and eye exams can show signs of oral cancer, heart disease, diabetes and other diseases. Spirit dental insurance can help identify other health problems
- Spirit Dental and vision insurance provides access to a national provider network with over 270,000 dentist
Why Seniors Buy Spirit Dental Coverage
- Spirit Dental No waiting periods for all services
- Next day effective dates to qualified applicants
- Choose your own PPO dentist
- 3 cleanings per calendar year
- Choose from $1200 or $3500 annual maximums
- Optional vision coverage with EyeMed
- 30-day policy satisfaction guarantee
- No monthly association or billing fees
- Dental implants are covered under Spirit
- 80,000+ MaxCare PPO Providers
- 90% Usual and Customary for Indemnity dental insurance products
- $100 lifetime deductibles on dental policies
- Guaranteed acceptance to qualified applicants
- Child Orthodontia coverage available
Cigna Plan G Medicare Supplement – Rate Decrease
Cigna Plan G Medicare Supplement will be issuing a rate decrease in several states on May 1 of 2016. Plan G has become a top selling Medigap policy in recent years. Plan G is very similar to Plan F, but Plan G has a $166 Part B deductible. The deductible is a calendar year deductible so only paid once a year. With the rising cost of Medicare Part B to $122 a month, many Americans are looking for ways to save money on their Medicare Supplement.
Cigna Plan G Premium Reduction Includes the following States
At this time only select states will see the premium reduction for Plan G. Other states may be subject to lower rates later this year. Starting May 2016 the following states will see the reduction listed below. The rate decreases only apply to preferred and standard rate classes.
- 18% Reduction in premium: Arkansas, Louisiana, and Tennessee
- 16% Reduction in premium: Iowa (begins April 2016)
- 15% Reduction in premium: Nebraska
- 11% Reduction in premium: Wyoming
- 10% Reduction in premium: Nevada and West Virginia
Check on Plan G Rates In Your Area.
Cigna Plan G Supplemental Insurance Benefits
Cigna Plan G benefits include all the benefits of Plan F, except Plan G has a $166 Part B deductible. The plan has common features like:
Cigna Plan G Hospital Part A Benefits
- Coverage for Part A deductible and coinsurance
- Coverage for Part B coinsurance
- Plan pays Medicare co-payment/coinsurance for Hospice
- Per the Medicare guidelines pays daily co-insurance for Skilled Nursing Facility Care
- Pays for first 3 pints of blood per a calendar year
Cigna Plan G Hospital Part B Benefits
- Part B co-insurance after you pay deductible of $166
- Coverage for Excess Benefits
- Coverage for Blood
- Coverage for foreign travel when medically necessary
Cost of Cigna Medicare Supplement Plan G
Cigna Medicare Supplement Plan G cost can vary from state to state and region to region. Some areas like Nevada, Pennsylvania, and Virginia it is already a fast selling plan. To check the new rates simply get a quote through this site.
Also, in some states Cigna offer discounts to couples who enroll together. This added benefit can be explained through a Medicare insurance agent. Cigna Medicare agents can review the plan details with you and answer questions you may have on your transition to Cigna. If you currently have a supplemental policy, you may be able to switch to Cigna Medicare provided you meet the underwriting criteria. If you currently have a medicare advantage plan you would have to keep your advantage plan through the end of the year. However, at the end of the year you would be able to leave your Medicare advantage plan and get a Cigna Supplemental plan provided you meet the underwriting criteria. Lastly, if you are new to Medicare, and have both Medicare Parts A and B, you most likely can enroll in Cigna coverage without underwriting.
Cigna Plan G Medicare Supplement – More Information
Through this site you can contact us and speak with a live licensed agent who can inform you of not only Cigna’s plans but also numerous other companies that may offer even more affordable plans in your area. Cigna News is another place where you can learn about Cigna’s growth in the healthcare industry and receive information on its merger with Anthem Blue Cross Blue Shield.
Aetna Supplemental Health Insurance Plans
Aetna is ranked one of the country’s top insurance companies in the US. Aetna supplemental health insurance plans offer customers a variety of benefits, including Medicare Supplement Plan F, Plan G, and Plan N. These three Medicare Plans are some of the best selling plans in the country. Aetna is especially committed to providing our nation’s Medicare recipients with complete and first-rate coverage, so members can achieve optimal health and receive care from all Medicare doctors and facilities across the country.
Learn More about Aetna Supplemental Health Insurance Plans
Because of the increasing out-of-pocket expenses associated with Medicare, Medigap, which is a Medicare Supplement insurance, has become a crucial component of health care coverage for the Medicare eligible population. In most states, Aetna provides this service to adults 65 years and older. Depending on plan selection. The coverage can conveniently eliminate or reduce deductibles, copay’s and coinsurance, which have risen over the past few years.
We have other pages on this website where consumers can find a comprehensive guide detailing exactly what a Medicare Supplement policy is, what it covers and how to purchase Medicare Supplement insurance.
Hot Tip: Aetna Supplemental Plans are one of the fastest growing segments of Aetna Insurance Company.
Aside from supplemental coverage, Aetna also offers its customers an array of complementary products with a personalized customer service approach.
Aetna Final Expense Whole Life Insurance
Dealing with the death of loved one is difficult. Aetna’s Final Expense Insurance allows a family to grieve the loss of a loved one, rather than focusing on funeral costs. This coverage provides many levels of life insurance coverage for all funeral associated expenses, and rates do not increase throughout the life of the policy. These policies have a simplified underwriting and often can be approved very quickly.
Aetna Protection Series
This series offers three types of policies:
- Cancer and Heart Attack or Stroke
- Hospital Indemnity Insurance
- Recovery Care Insurance
Heart attacks and cancer are the first and second leading causes of death in The United States. A stroke can happen to a healthy individual at any age. It is crucial, therefore, to protect oneself from these relevant diseases. This coverage is important because it protects the consumer’s financial assets if he/she were to acquire one of these diseases.
Hospital Indemnity Insurance offers a variety of benefits for anyone who may be admitted and/or confined to a hospital for any reason. It would cover any additional expenses as a result of the hospital stay, and benefits are paid directly to the insured.
Recovery Care Insurance is available for customers aged 50 to 89. This provides monies that can be applied to any nursing home residence or assisted living facility expenditures.
If you are interest in Aetna supplemental health insurance plans, please request a quote.
Aetna Home Care Insurance
Aetna also offers another important product for consumers who may be in need of care at their home. Ranging from physical therapy to a qualified health aide, this policy provides any service a client may need while remaining in the comfort of their home. Learn more about Aetna today.
Medicare Supplement Agents
Medicare insurance plans from QuoteFinder.Org are not offered by any Medicare Supplement Agent. We pride ourselves on only working with Authorized to Offer agents. This type of independent agent is required to be certified by all Medicare insurance companies. This level of certification allows for the consumer to work with one agent and all companies. The consumer can work with one agent and that single agent can answer all questions. This level of customer support is rare to find in our country. Best of all our services are free as we are paid through the insurance companies. All rates are set by law, so the rates you see are the lowest possible rates.
To offer Insurance plans through this site, independent Medicare Supplement Agents must:
- Be licensed in each state her or she conducts business
- Be certified to sell each plan being offered
- The agent must have at least 4 years experience in the Medicare Insurance industry
- The agent must annually complete required insurance product training for each company
- The agent must have a strong renewable book of satisfied Medicare clients
- Have zero complaints with CMS
What you can expect from a Medicare Supplement Agent:
- You can expect professional guidance from an informed agent
- Recommendation of only quality products that coincide with your needs
- A friendly down to Earth attitude and an easy person to talk with
An Authorized to Offer agent can provide personalized service and assist you in finding solutions to fit your Medicare needs. This site gives consumers access to a REAL person to discuss questions and concerns. Obtaining the correct Medicare supplement plan is very important. Agents are trained to help you understand how specific plans may address your unique needs. If everyone works together and both parties listen carefully and asks questions, everyone will wins.
A true Medicare Supplement Agent will be your guide for years to come. Many of our agents are now on a second generation of clients. We have many 90+ year old clients who still come to us when they have questions. Contact us if you are looking for a FREE Medicare supplement agent.
Mutual of Omaha Medicare Supplement Insurance Company Profile
Mutual of Omaha Insurance Company, previously named as Mutual Benefit Health & Accident Association, started in 1909 with Harry S. Weller as the companies first president. The Nebraska Department of Insurance accepted articles of incorporation from the Mutual Benefit Health & Accident Association. As the company started to grow in 1910 Nebraska authorized the MBHAA to issue health and accident insurance. Today Mutual of Omaha is a household name for most Americans. The CEO of Mutual of Omaha currently is James Blackledge. The insurance company is still located in Omaha, Nebraska and generates billions of dollars in sales each year.
Key Points of Growth
- 1920: The company gained access to a license that allowed them to sell insurance in 15 states.
- 1939: Growth continues and organization is licensed in 48 states and 2 territories.
- 1941: Provided full coverage to anyone injured or killed in the Pearl Harbor bombings.
- 1950: Company adopts Mutual of Omaha name and logo with a painting of a Native American.
Mutual of Omaha has shown passion since the beginning and continues to donate and strive for everyone to have health and life insurance coverage. As the company continues to grow into the 2016 we see that they are one of the first insurance companies to offer a telephonic application with online application for Medicare Supplement policies.
Mutual of Omaha Health Insurance Plans
Mutual of Omaha offers insurance for both individuals and businesses. For individuals, some of their services include; medicare supplement insurance, life insurance, long-term care insurance, disability, and critical illness. Mutual of Omaha dental insurance is the newest product being offered, which is a great compliment for their medicare supplement plans. For businesses, Mutual of Omaha offers the following services; accident insurance, critical illness insurance, dental insurance, disability insurance, life insurance, and accident insurance.
The benefit to owning Mutual of Omaha insurance is that they work with their customers to ensure that they fully understand the insurance both before and after they purchase a plan. Mutual of Omaha works with Authorized Independent Agents. This allows consumers to see all insurance plan options available. Mutual of Omaha takes pride in their product being selected by educated consumers.
Mutual of Omaha Affiliated Companies
Over the year Mutual of Omaha has acquired many companies and has many affiliates. United of Omaha Life Insurance Company offers insurances, financial assistance, and fixed annuities through Mutual of Omaha’s group sales offices, agency sales force, and also through independent agents. Some of the other companies that are affiliated with Mutual of Omaha are as follows: United World Life Insurance Company, Mutual of Omaha Investor Services, Inc., East Campus Reality LLC, Companion Life Insurance Company, Omaha Insurance Company, and Omaha Financial Holdings, Inc. All of these companies work with Mutual of Omaha to deliver insurance or financial assistance to individuals or businesses. Like Mutual of Omaha, these companies strive to help create better products to meet the consumer’s financial needs. For years, Mutual of Omaha has been a highly recommended company.
How do I get a Mutual of Omaha Insurance
Obtaining insurance with Mutual of Omaha is easy. At QuoteFinder.Org we provide free assistance in obtaining rates and reviewing plans. As Authorized Independent Agents, we also provide quotes from other companies as well. Insurance products can vary depending on age, sex, health status, and geographical location. So while Mutual of Omaha is a quality company, it does not meet everyone’s needs. To start your search simply fill out a quote request for insurance.
Mutual of Omaha Medicare Supplement Enrollment over 1 Million
Mutual of Omaha’s Medicare supplement insurance has been sold for over 50 years. Today over one million Americans have Medicare supplement insurance through Mutual of Omaha. Mutual has over 50 years of experience in the Medicare Supplement insurance industry. The personal customer service provided and ability to pay claims quickly is only part of the formula for success. With one Million plus members, Mutual of Omaha can save you money.