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Most Affordable Health Insurance in Maryland

Maryland Connect ValueThe IHC Group has some of the most affordable health insurance in Maryland. When circumstances leave you temporarily uninsured, the Connect Value short-term medical insurance plan helps protect you during coverage gaps. Value Connect is an affordable way for Maryland residents to avoid going without health insurance.

Read below for more information about this exciting product.

Office Visit Copay – $50
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.

Looking for more robust coverage, learn about United Healthcare of Maryland.

Maximum benefit $1,000,000

View an online health insurance quote.

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Plan Coverage
All benefits, except office visits applied to the copay, are subject to the selected plan deductible and coinsurance. Covered expenses are limited by the usual and reasonable charge as well as any benefit-specific maximum. If a benefit-specific maximum does not apply to the
covered expense, benefits are limited by the coverage period maximum. Benefits may vary by state.

Deductible – $1,000 | $2,500 | $5,000

The selected deductible must be paid by the covered person before coinsurance benefits begin. Family deductible maximum: Three times the individual deductible amount.

Coinsurance percentage and out-of-pocket costs
After the deductible has been met, you pay the selected percentage of covered expenses until the out-of-pocket amount has been reached.
The Connect Value plan covers the remaining percentage of covered expenses up to the maximum benefit. The out-of-pocket amount is specific to expenses applied to coinsurance; it does not include the deductible.

Utilize a network provider and Save
With your Connect Value short-term medical 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.

Why short term medical insurance?
Affordable Health Isurance for MarylandWhen you are temporarily between major medical policies or waiting for coverage to begin, short-term plans provide benefits to help pay for unexpected healthcare. Covered expenses may include emergency room treatment, hospital stays, surgery, intensive care and more.

Underwritten by Independence American Insurance Company, (IAIC), a member of The IHC Group. For more information about IAIC and The IHC Group, visit www.ihcgroup.com. This product is not considered to be Minimum Essential Coverage as defined by the Patient Protection and Affordable Care Act (ACA). This product is administered by The Loomis Company.

Connect Value offers short-term medical coverage with an affordable premium
Connect Value’s low premium is achieved through carefully selected benefit limitations. Coverage is available in most states for 30 to 90 days. Short-term medical insurance is not a substitute for a major medical plan that meets the minimum essential coverage levels as defined by the Patient Protection and Affordable Care Act, also known as ACA. It can, however, offer financial protection in the event of an unexpected injury or illness while you are waiting for coverage to begin under an ACA compliant plan.

Waiting for an ACA plan
Many plans on the Health Insurance Exchange offer only one effective date, the first of the month. Depending on when you submit your application, you may have to wait up to 45 days for your coverage to begin.

Newly hired
Often, an employer-sponsored plan includes a waiting period before health insurance benefits begin.

Missed Open Enrollment
If you have missed the opportunity to secure 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.

Can I Apply?
Connect Value is available to the primary applicant from age 18 to 64, his or her spouse age 18 to 64 and dependent children under the age of 26. A child-only plan is available for children age 2 up to age 18.

Covered Services Include Treatment for services and supplies for:
• Inpatient hospital room, board and general nursing care up to the amount billed for a semi-private room or 90 percent of the private room billed amount, not to exceed $10,000 per day
• Inpatient intensive care or specialized care unit up to three times the amount billed for a semi-private room or three times 90 percent the private room billed amount, not to exceed $12,500 per day
• Inpatient doctor visits not to exceed $500 per confinement
• Inpatient prescription drugs administered while hospital confined
• Emergency room up to $500 per day
• Office visits not paid through a copay will be subject to deductible and coinsurance, not to exceed a maximum benefit of $1,000 per covered person
• Outpatient hospital surgery or ambulatory surgical center charges not to exceed $1,000 per day
• Surgeon services in the hospital or ambulatory surgical center not to exceed $2,500 per surgery
• Anesthesiologist services not to exceed the maximum benefit of 20 percent of the surgeon’s benefit
• Assistant surgeon services not to exceed 20 percent of the primary surgeon’s covered charges
• Surgeon’s assistant services not to exceed 15 percent of the primary surgeon’s covered charges
• Ground ambulance services not to exceed $250 per occurrence
• Air ambulance services not to exceed $250 per occurrence
• Organ, tissue, or bone marrow transplants not to exceed $150,000 per coverage period
• Acquired Immune Deficiency Syndrome (AIDS) not to exceed $10,000 per coverage period
• Outpatient hospital surgery or ambulatory surgical center not to exceed the maximum benefit of $1,000 per day

Pre-certification
Pre-certification is required prior to each inpatient confinement for injury or illness, including chemotherapy or radiation treatment at least seven days prior to receiving treatment. Emergency admissions must be pre-certified within 48 hours following the admission, or
as soon as reasonably possible. Failure to complete pre-certification will result in a benefit reduction of 50 percent which would have otherwise been paid. Pre-certification is not a guarantee of benefits and may vary by state.

Pre-existing Condition Limitation
Connect Value 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.
*In the following states, the pre-existing condition time period is 6 months: GA, ID, KY, MA, MI, NH, NJ, NM, NY, ND, WA, WY.

Coverage termination
Coverage ends on the earliest of the date: the premium is not paid when due; you enter full-time active duty in the armed forces; or Independence American Insurance Company determines intentional fraud or material misrepresentation has been made in filing a claim for benefits. A dependent’s coverage ends on the earliest of the date: your coverage terminates; the dependent becomes eligible for Medicare; or the dependent ceases to be eligible.

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.

Exclusions
The Policy does not provide any benefits for the following expenses:
• Treatment of pre-existing conditions, as defined in the pre-existing conditions limitation provision, shown in the Policy
• Incurred prior to the effective date of a covered person’s coverage or incurred after the expiration date, regardless of
when the condition originated, except in accordance with the extension of benefits provision
• Treatment, services & supplies for:
• complications resulting from treatment, drugs, supplies, devices, procedures or conditions which are not covered
under the Policy;
• experimental or investigational services or treatment or unproven services or treatment;
• Amounts in excess of the usual, reasonable and customary charges made for covered services or supplies or you or your
covered dependent are not required to pay, or which would not have been billed, if no insurance existed;
• Paid under another insurance plan, including Medicare, government institutions, workers’ compensation or automobile insurance
• Expenses incurred by a covered person while on active duty in the armed forces. Upon written notice to us of entry into such active duty, the unused premium will be returned to you on a pro-rated basis
• Treatment, services and supplies resulting from:
• war (declared or undeclared);
• the commission of engaging in an illegal occupation;
• normal pregnancy or childbirth, except for complications of pregnancy;
• a newborn child not yet discharged from the hospital, unless the charges are medically necessary to treat premature birth, congenital injury or sickness, or sickness or injury sustained during or after birth;
• voluntary termination of normal pregnancy, normal childbirth or elective cesarean section;
• any drug, including birth control pills, implants, injections, supply, treatment device or procedure that prevents conception or childbirth, including sterilization or reversal of sterilization; sex transformation (unless required by law), penile implants, sex dysfunction or inadequacies and/or diagnosis and treatment of infertility, including but not limited to any attempt to induce fertilization by any method, invitro fertilization, artificial insemination or similar procedures, whether the covered person is a donor, recipient or surrogate.
• Physical exams or prophylactic treatment, including surgery or diagnostic testing, except as specifically covered
• Mental illness or substance use, including alcoholism or drug addiction or loss due to intoxication of any kind unless
mandated by law
• Tobacco use cessation
• Suicide or attempted suicide or intentionally self-inflicted Injury, while sane or insane
• Dental treatment or care or orthodontia or other treatment involving the teeth or supporting structures, except as specifically covered and the treatment by any method for jaw joint problems including temporomandibular joint dysfunction (TMJ), TMJ pain syndromes, craniomandibular disorders, myofascial pain dysfunction or other conditions of the joint linking the jaw bone and skull and the complex of muscles, nerves and other tissues related to the joint
• Eye care, hearing, including hearing aids and testing
• Cosmetic or reconstructive procedures that are not medically necessary, breast reduction or augmentation or complications arising from these procedures
• Outpatient prescriptions, drugs to treat hair loss
• Feet unless due to accidental bodily injury or disease
• Weight loss programs or diets, obesity treatment or weight reduction including all forms of intestinal and gastric bypass
surgery, including the reversal of such surgery
• Transportation expenses, except as specifically covered
• Rest or recuperation cures or care in an extended care facility, convalescent nursing home, a facility providing rehabilitative treatment, skilled nursing facility, or home for the aged, whether or not part of a hospital
• Providing a covered person with (1) training in the requirements of daily living; (2) instruction in scholastic skills such as reading and writing; (3) preparation for an occupation; (4) treatment of learning disabilities, developmental delays or dyslexia; or (5) development beyond a point where function has been demonstrably restored
• Personal comfort or convenience, including homemaker services or supportive services focusing on activities of daily life that do not require the skills of qualified technical or professional personnel, including bathing, dressing, feeding, routine skin care, bladder care and administration of oral medications or eye drops;
• Supplies provided by a member of your immediate family
• Sleeping disorders
• Expenses incurred in the treatment of injury or sickness resulting from participation in skydiving, scuba diving, hang or ultralight gliding, riding an all-terrain vehicle such as a dirt bike, snowmobile or go-cart, racing with a motorcycle, boat or any form of aircraft, any participation in sports for pay or profit, or participation in rodeo contests
• Bone stimulator, common household items
• Participating in interscholastic, intercollegiate or organized competitive sports
• Medical care, treatment, service or supplies received outside of the United States, Canada or its possessions
• Spinal manipulation or adjustment
• Private duty nursing services
• The repair or maintenance of a wheelchair, hospital-type bed or similar durable medical equipment
• Orthotics
• Marital counseling or social counseling
• Acupuncture
• Expenses for replacement of artificial limbs or eyes, removal of breast implants
• Treatment, services or supplies not defined or specifically covered under the Policy

About The IHC Group
Independence Holding Company (NYSE: IHC), formed in 1980, is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual specialty benefit products, including disability, supplemental health, pet, and group life insurance through its subsidiaries (Independence Holding Company and its subsidiaries collectively referred to as “The IHC Group”). The IHC Group consists of three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company), and IHC Specialty Benefits, Inc., a technology-driven full-service marketing and distribution company that focuses on small employer and individual consumer products through general agents, telebrokerage, call centers, advisors, private label arrangements, independent agents, and through the following brands: www.HealtheDeals.com; Health eDeals Advisors; Aspira A Mas; www.PetPartners.com; and www.PetPlace.com.

 

Medicare Part B

Medicare Part BMedicare Part A and Medicare Part B are required if you want to apply for a Medicare Supplement policy. When you have both Medicare Parts A and B it is commonly known as Original or Traditional Medicare. For Americans over the age of 65, Medicare Part A and Part B form the core of their healthcare. Medicare is one of the best healthcare systems in the world.

What does Medicare Part B Cover?

Medicare Part A is the first part of Medicare. It is free and is mostly in-patient Hospital Coverage. Medicare Part B is the second part; it helps cover outpatient treatments. The services fall into two categories, (1) Medically necessary services, such as treatments required to diagnose and treat accepted medical conditions. (2) Preventative services to help prevent illnesses, like flu shots, or to detect conditions at an early stage like prostate cancer screenings or mammograms.

  • Outpatient Care
  • Home Health Care
  • Preventive Services
  • Durable Medical Equipment (DME)
  • Flu Shots
  • Mental Health
  • Ambulatory service

However, Medicare Part B is not designed for long term care, dental issues, routine foot care, hearing devices, or eye exams to name a few.

Who is Eligible for Medicare Part B?

  • Some Disabled individuals
  • People with Renal Disease
  • 65 or older

Take a moment and learn about Medicare Supplement.

What is the Cost of Medicare Part B?

Although Medicare is administered by the government, it comes at a small price. Most Americans pay a monthly cost of $104.90. However, some people who are Medicaid eligible may get it for free. And some higher income individuals will pay higher rates for their Part B. Once you enroll in Medicare, a review of your last two years tax returns will be used to determine the cost of your Part B.

Medicare Part B Deductible and Co-Insurance

Medicare Part B has a deductible and co-insurance. Each person must meet the $185 per year deductible. This is a calendar year deductible. After deductible Medicare Covers 80% in most cases, leaving the patient with 20% of the cost.

Medicare Part B Preventive Care

The government and healthcare community want to make sure certain medical items are covered. Preventive care helps both medical insurance and the government save money. Medicare Part B recipients can receive the following each year for free:

  • Cardiovascular disease screenings
  • Diabetes screenings
  • Colo-rectal Cancer Screenings
  • Mammograms
  • HIV Screenings
  • Bone Density
  • Prostate Cancer Screenings
  • Cervical Cancer Screenings
  • Colonoscopies
  • Vaccines
  • Measles
  • Polo
  • Meningitis

Part B Enrollment

Enrollment in Part B is easy. Often times it will automatically process or you could visit Medicare.gov to enroll online. It is very common today that a person’s Part A and Part B both automatically begin on the 1st day of one’s 65th birth month. So if a person turns 65 on June 7th, their Part A and Part B would begin June 1st. If you have questions about Part B enrollment and want to learn more about Medicare it is best to let us provide you with a Medicare Overview.

 

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.

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.

Medicare and Dental Insurance Plans for Seniors

Medicare and DentalOnce 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.

Mutual of Omaha Dental and Vision Insurance

Mutual of Omaha Dental InsuranceAfter providing Medicare Supplement coverage to over 1 million Americans, Mutual of Omaha will soon be offering dental and vision insurance. Most people are very familiar with Mutual of Omaha from their diverse portfolio of life insurance, long term care, and of course medicare supplement products.

Come October 2017 Mutual will be offering two competitively priced dental options. This will be a nice option for individuals and families along with Medicare recipients. The goal is one stop shopping for medicare supplement, dental, and vision.

Keep reading to learn more about these two exciting products.

Mutual Dental Preferred Insurance Policy

The highest level of coverage offered is the Mutual Dental Preferred Policy. This insurance policy pays as follows:

  • Deductible: $0 per year for preventive services / $50 per year for basic and major services
  • Preventive services: Two Cleanings per year / Bite-wing X-rays – 100% Covered, Insured Pays Nothing
  • Basic Services: Fillings, Extractions, Emergency Treatment, 80% Insured Pays 20%
  • Major Services: After a 12-month waiting period, Crowns, Dentures, Bridges, Root Canals, Periodontics, Full-mouth X-ray, Oral Surgery / 50% Insured pays 50% (Dental Implants, see below)

Calendar Year Benefit: $1,500. This is the maximum amount the policy pays each calendar year for all covered services.

Dental Implants. Lifetime Maximum Benefit for implants is $3,000 This is the maximum amount the policy pays for dental implants.

Read the Dental Insurance Overview.

Mutual Dental Protection Insurance Policy

The lesser level of coverage offered is the Mutual Dental Protection Policy. This insurance policy pays as follows:

  • Deductible: $100 per year for all services
  • Preventive services: Two Cleanings per year / Bite-wing X-rays – 100% Covered, Insured Pays Nothing
  • Basic Services: Fillings, Extractions, Emergency Treatment, 50% Insured Pays 50%
  • Major Services: After a 12-month waiting period, Crowns, Dentures, Bridges, Root Canals, Periodontics, Full-mouth X-ray, Oral Surgery / 50% Insured pays 50% (Dental Implants, see below)

Calendar Year Benefit: $1,000. This is the maximum amount the policy pays each calendar year for all covered services.

Dental Implants. Lifetime Maximum Benefit for implants is $2,000 This is the maximum amount the policy pays for dental implants.

Get a Dental and Vision Insurance Quote.

Mutual Vision Benefit

The Mutual Vision Benefit can be included in either dental policy. It is an additional rider that will have an additional premium.

  • Provides a reimbursement benefit
  • Pays up to $50 every calendar year for one eye exam (no waiting period)
  • Pays up to $150 every two calendar years for eyeglasses or contact lenses (after a six-month waiting period)

Medicare and Dental Insurance Coverage

Mutual Dental insurance policies are designed to help pay for the dental services American’s need and to give members the confidence of knowing what their out-of-pocket costs will be. Medicare doesn’t cover dental services. That means costs for things like routine cleanings, fillings, root canals, bridges and dentures come out of pocket. With Medicare recipients living longer, it is very important to have proper dental hygiene and to keep on top of preventative dental care.

Learn more about Mutual Of Omaha.

Compare similar Dental, Vision, and Hearing plan options with Central United Life or Aetna Dental Vision Hearing.

Dental and Vision Insurance by Central United Life Insurance Company

Central United Life Insurance CompanyDental insurance is something that can help reduce overall dental expenses. Dental procedures can be quite costly. Therefore, dental insurance through Central United Life Insurance Company can help pay for general dental visits as well as necessary dental procedures. Central United Life Insurance company (CUL) is part of the Manhattan Life Group which has been doing business since 1850.

This is a private policy for individual or families.

KEY POINT: Central United Life Insurance allows YOU to choose your own dentist. There are no dental networks that assign a particular dentist to the policy holder. In addition, the dental insurance plans offer special family rates which are great savings when it comes to children.

Get a Quote on this Product.

As an added bonus, ALL the policies include Vision and Hearing coverage as well.

Central United Life Dental Insurance Benefits at a Glance

Each year CUL offers policy holders a benefit amount of $1,000 or $1,500. The person gets to choose their own plan benefit amount. The available limits can be used for dental, vision, or hearing benefits. This coverage is very nice because some clients who prefer expensive eye-wear and vision services are covered up to the policy limit through this plan. Some clients buy this policy only to use on dental, while other buy it only for vision, and some buy it mostly for hearing coverage. However, the choice is yours. You can use your policy benefits however you best feel fit.

Preventative Dental Services

There is absolutely no waiting period for preventative dental services. Therefore, services that are completely covered include the following:

Dental Insurance Coverage

  • Patient X-rays
  • Dental Cleanings – 2 per a year
  • Exams – 2 per a year

Preventative Dental Coverage Levels

  • Year One, Up to 60%
  • Year Two, Up to 70%
  • Year Three, Up to 80%

Basic Dental Services

Members are happy to know that their is no waiting periods on basic dental services. This is excellent news for people who may need some basic work completed sooner than later. Basic dental services include:

  • Fillings
  • Simple Extractions
  • Additional x-rays

Basic Dental Coverage Levels

  • Year One, Up to 60%
  • Year Two, Up to 70%
  • Year Three, Up to 80%

Example, you have tooth pain and you need 2 fillings replace right away. The dentist charges you $400 for the filling. The CUL plan will cover 60%. So right away your plan pays $240 toward your fillings.

To check rates and learn more, get an online quote and compare plan options.

Major Dental Services

Major dental services can get very expensive. For this reason it is common for many policies to have a waiting period of up to 12 months for major dental procedures. Major dental procedures that require a waiting period according to the policy include:

  • Crowns
  • Root Canals
  • Bridges
  • Dentures / Full Mouth and Partial

Major Dental Coverage Levels

  • Year One, Not Covered
  • Year Two, Up to 70%
  • Year Three, Up to 80%

Example, Year three your dentist charges a costly $1200 for a crown. Your dental insurance would cover 80%. That means $960 would be paid by the insurance company.

Hot Tip, If you are in need of dental implants visit. GPM Dental Insurance.

Central United Life Vision Insurance Coverage

Vision services are available after you have owned your policy for six months. For example, there is a six month waiting period for an eye exam, glasses, or contact lenses. You can choose your very own Optometrist. There is no network of eye specialists that you are required to choose from.

Vision Insurance CoverageThis plan allow full policy limit on vision services. Members who utilize expensive doctors or members who prefer expensive frames or lenses truly love this plan. It is one of the few plans that allows up to $1,500 in vision coverage.

Once benefits take effect the company will pay the following according to plan guidelines:

  • Up to 60% of all charges related to vision benefits for usage from after 6 months to 1 year
  • Up to 70% second year
  • Up to 80% after second year of coverage

For example a $500 frame would be covered at 80% after the second year. So the policy would cover $400 of the $500 charge.

Learn more, through the Central United Life Dental, Vision, and Hearing Brochure

Hearing Coverage through Central United Life Insurance Company

Hearing coverage is another added benefit to this plan. While many people do not have any concerns with hearing, this benefit can be very valuable to other members. A 12 month waiting period is required for anyone in need of new hearing aids or in need of repairs.

Keep in mind a 12 month waiting period does apply to anyone who may need hearing aid repairs or adjustments.

Hearing CoverageHearing Benefit Levels

  • Year One, Not Covered
  • Year Two, Up to 70%
  • Year Three, Up to 80%

Other Information Regarding Central United Life Insurance Company

The issuer of this dental, vision, hearing policy makes sure all benefits and claims are paid quickly. In addition, other plan benefits include:

  • Coverage for Ages 18-85
  • Immediate & Guaranteed Coverage
  • Cancel Anytime

All coverage, as well as claims information can be easily managed online. Also, new and replacement cards can be printed directly from the company web site. If any changes or adjustments are made to existing coverage benefits, the changes will be updated within 24 hours. Information such as this can also be accessed on line.

Affordable & Valuable Coverage:

It is extremely important to have dental, hearing and eye coverage especially if an emergency situation arises. It is important to keep in mind that Medicare Plans do not cover dental, vision or hearing expenses. Therefore, it is critical that you have affordable coverage to help pay for expenses related to dental, vision as well as hearing expenses.

All charges for monthly premiums are broken down according to age. All rates are based on the $1,000-$1,500 policy maximum. Coverage can be obtained for as little as $25 per month. If for some reason you are not satisfied with your new coverage, the company will cancel the coverage and refund your money within first 30 days.

Coverage of this nature is critically important for the health and well being of you and your family. Therefore, if you are in need of dental, hearing and vision coverage this is an opportunity to take advantage of this very valuable and very necessary coverage. Your health and the health of your loved ones is a valuable asset.

Get an online quote and compare plan options.

GPM Dental Insurance Plans With No Waiting Periods

GPM DENTAL INSURANCE PlansGPM 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:

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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

Dental and Vision Insurance QuotesThe 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

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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?

Dental and Vision PlansOur 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.

Ameritas Dental Insurance Plans

Ameritas Dental and Vision InsuranceAmeritas offers affordable dental and vision insurance plans for individuals and families. Ameritas plans have several options available so the insured can tailor them for a perfect fit. There are two different dental plans under the Advantage Plus umbrella. The PrimeStar vision plans offer different levels of coverage under either VSP or EyeMed, the two top providers of vision plans in the US. Listed below will be details of the coverage Ameritas offers. Plan benefits can vary slightly from state to state.

Save Money with the Ameritas PPO Dental Insurance Plan

The Advantage Plus II plan allows you to utilize an Ameritas Dental Network dentist for additional savings. This plan provides graduated coverage, so the percentage paid by the insurer increases each year. You are able to select this plan either with or without orthodontic coverage for those up to age 19. In general, the Ameritas Dental Network also provides the following benefits:

  • Discounted fees of up to 30%
  • Immediate in-network discounts
  • One of the largest dental networks nationwide

The Advantage II Plus Network plan specifically offers the following benefits:

  • 100% Preventative Care
  • A minimum of 35% and up to 80% of basic services
  • A minimum of 15% and up to 50% on major services
  • A minimum of 15% and up to 50% on Orthodontics (optional)

Preventative services include two exams, cleanings and x-rays per year and fluoride and sealant treatment for patients under 16 years old. The annual calendar year deductible for all services is only $50, and orthodontic coverage has a lifetime maximum of $1,000.

Get a Quote to see the rates on Ameritas Dental Insurance.

Basic services include fillings and simple extractions and major services include many different services as listed below:

  • Implants
  • Oral Surgery
  • Endodontics
  • Periodontics
  • Crowns
  • Bridges
  • Dentures
  • Panoramic x-rays

Choose ANY Dentist with Ameritas Advantage II Plus Plan

The Advantage II Plus plan offers the same level of coverage listed above and also allows patients to choose ANY DENTIST, however, additional savings apply when using an in-network provider.

Not all dentists are listed in a PPO network, so if your dentist does not accept insurance, it does NOT mean you can’t use insurance. The Ameritas Advantage II PLUS plan offers enhanced benefits, so you can still submit dental claims to Ameritas. Many dentists who do not accept PPO dental insurance will even help you turn in a claim to Ameritas. After all the the dentist does want your business!

VSP Vision Insurance through Ameritas

Vision plans are also available. PrimeStar Select Vision offers benefits through any EyeMed Access provider. The plan has no waiting periods and offers a vision exam once per year. Co-pays apply for in-network coverage and out of network providers are given allowance amounts. Lens enhancements are also available in-network with an additional co-pay ranging from $15 to $65 and enhancements outside the standard scope are offered at a discounted rate. The plan also provides additional discounts after the plan amounts have been exhausted, and the balance of any uncovered charges such as designer frames. Discounts are also available for Lasik procedure(s). The standard benefits are as follows:

  • Contact Lenses
  • Frames
  • Single vision, bifocal, and trifocal lenses
  • Lenticular lenses

PrimeStar Choice Vision is designed for use in the VSP Vision Care Provider network. In-network services require a copay and out of network coverage is also provided with an allowance. Most lens enhancements are not given an allowance, with the exception of standard progressive lenses. The plan also provides additional discounts for items that exceed the coverage amounts and an additional $25 discount on selected frames. Discounts are also available for elective procedure(s) such as Lasik vision correction. The benefits are as follows:

  • Frames
  • Lenses
  • Contact Lenses
  • Single, Bifocal and Trifocal lenses
  • Lenticular lenses

Lens enhancements can be purchased with additional co-pays ranging from $16 to $50, and other enhancements outside the typical coverage level are available at a discount.

Please note that coverage(s) and amount(s) may vary based on location and the exact level of coverage(s) selected. Ameritas will gladly provide a quote from an expert based on location and the level of coverage(s) required. Having great insurance doesn’t have to be a complicated task, Ameritas experts are able to be reached by telephone, live chat or e-mail. Check on Ameritas Dental and Vision Quotes!