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Learning about Oscar Health Insurance for 2021

Oscar is committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate. Oscar provides tools and resources to help you navigate the complex health care system. Oscar member satisfaction rating is 2× above the industry average.

Oscar Doctor On Call

With Oscar you don’t waste your sick day at the doctor’s office. Just call or send a secure message to a doctor—and get a diagnosis, a new prescription, or a refill—in as little as 15 minutes. It’s free on many plans offered. And the benefit is unlimited, and available 24/7. That’s one less trip to the doctor’s office and one less copay!

$129 – is the average saved by members each time they use Doctor on Call.

Your very own Oscar Concierge team.
Get paired with a small team of care guides and nurses who get to know you and your health history. Your personal team can help you find affordable doctors, answer questions, and even help coordinate complex care.

Finding a doctor is easy.
Get access to top-rated hospitals and doctors in your neighborhood. See a specialist when you need to, without having to get a referral.

Get paid to walk.
Track steps from Google Fit and Apple Health. Earn $1 toward an Amazon® Gift Card for every day that you hit your step goal, up to $100 per year!

See everything in one place.
You shouldn’t have to navigate a clunky website just to find your own health info. Your plan details, prescriptions, health history, bills, and ID card are easily accessible on on our app and online portal.

Oscar is currently Offered in 15 States!
Oscar Health Plans is happily offering health plans in communities across Arizona, California, Colorado, Florida, Georgia, Kansas, Michigan, Missouri, New Jersey, New York, Ohio, Pennsylvania, Tennessee, Texas, and Virginia.

Get a Quote on Oscar Health Insurance

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    Ameritas – Dental Insurance Plans – No Waiting Periods

    Ameritas offers affordable dental and vision insurance plans for individuals and families. These dental insurance plans have several options available. There are two different dental plans under the Advantage Plus Tier. 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 is detailed listing of the coverage levels 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 PPO Network 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

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

    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

    Get A Quote On Ameritas Dental

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      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!

      Dental and Vision Insurance – Affordable Plans and Packages

      If you are shopping for dental and vision insurance quotes you came to the right place.

      • Shop Stand Alone Dental
      • Shop Stand Alone Vision
      • SAVE MONEY with a Dental and Vision Package
      • Notice: Dental and Vision Combo can save up to $50 a year!

      Hot Tip: Most policies issue a single ID Card and policy number. This give you less to worry about.

      Get Dental / Vision Insurance Quotes

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        Once you submit for your dental and vision Insurance quote request, you will learn about many packages that are available to you. Here are some frequently asked questions that almost all shoppers have.

        Can I use my Dental Insurance Right Away?

        The answer is YES. Your preventive dental coverage is available to use instantly. This means on your policy effective date you are allowed see the dentist, get cleanings, x-rays, and exams. If you are in need of dental insurance with no waiting periods on fillings or major dental work, we can also have recommendations for this type of coverage.

        Right now in the US an average cost of cleanings, x-rays, and exams is around $250-$400 depending where you reside. With dental insurance you can simply pay your first months premium and have this coverage instantly.

        Basic and Major dental work coverage may have some waiting periods associated with the treatments. These waiting periods depend on the policy design. Almost all companies offer immediate access to the insurance company rate on all procedures. Learn more about this on our overview to dental insurance page.

        Can I use my Vision Insurance Right Away?

        Yes, your vision insurance can be used right when your policy become effective. If in the past you ever paid full retail price for eye exams, contacts, or glasses, then you are in for a pleasant surprise. Your next visit may cost you as low as $10 in co-pays. It is not uncommon for people to call our office and tell us they spent $500 on new glasses. Once you have vision insurance, you can put those days behind you. The dental and vision insurance combo is one of the longest lasting policies in the insurance industry, with average utilization you’ll get your money’s worth.

        What is the Best Dental and Vision Insurance Bundle?

        Right now it depends on where you live and the number of members applying. The beauty of QuoteFinder.Org is that we work with all the companies. We are 100% designed to meet your needs. As an independent insurance agency, we earn very little money selling dental and vision insurance policies but see the need in the marketplace. If you’ve arrived at our site, that means you probably have already dug through a dozen other sites trying to sell you discount plans or other dental products from companies you never heard of before. You may have felt a bit leery about those products and that is the correct feeling to have.

        Today the internet has ten bad products for every good product being offered. With our guidance and friendly staff we can answer your questions and get you pointed in the correct direction. Of the people we talk to, 1 in 2 enroll in a plan with us. We have good chance of meeting your dental needs.

        Here are the reasons why dental insurance may not be right for you.

        • Plans cost between $20 – $50 and some people just can’t fit this into their budget.
        • Many people want braces covered and dental insurance is NOT designed to offer much benefit for braces. We prefer NOT work with these consumers as we know they will expect more and receive less.
        • Some consumers have completely ignored their dental health, and even with a top of the line dental insurance policy, they would still have to pay thousands to fix the problems.
        • Some shoppers, are simply shoppers. The idea of dedicating an increment of time to choosing a quality product and moving forward with the purchase is just not the way they lead their life.

        Here are the reasons why dental insurance IS a good fit for you.

        • You value your dental hygiene
        • You understand the importance of a good smile
        • Traditionally, you get two cleanings every year
        • You’ve always had dental and vision insurance and understand it’s value
        • You understand that dental insurance keeps you on track with having two annual visits
        • You fully know that sooner or later you WILL need your dental insurance for fillings, crowns, root canals, etc and you want to be ready for when those bills come.

        Learn more about dental hygiene in the US. Or Get A Quote On Dental and Vision Insurance.

        Health Plan Overview

        UnitedHealthcare has long been known for their quality medical coverage. Millions of Americans have experienced UnitedHealthcare insurance through their employer group coverage. Today you can shop private health insurance options through Golden Rule – a UnitedHealthcare company….these products are NOT Obamacare…..

        2020 Health Plan Options:

        • Low Deductible PPO Plans available in most markets
        • Short Term and other medical policy options – scroll down for a quote
        • National Doctor Networks available
        • Options to add Dental and Vision
        • Range of plan pricing for all ages – scroll down for a quote

        Quality health insurance depends on your individual needs. Scroll below to obtain a quote and review the plan offerings in your area.

        Get Insurance Quotes Online

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          Examples of plans offered by Golden Rule Insurance Company

          • Short Term Medical plans: choices in plan benefits; ideal for bridging gaps in health insurance coverage
          • Dental Insurance plans: Plans range in benefits and budget, including plans design just for seniors.
          • First dollar Fixed Indemnity plans – Office Visits, Hospital, ER, Urgent Care

          Need Medicare?

          If you are on Medicare or turning 65 soon, then a Medicare supplement and gap plans for people 65 and over. Learn about Medicare. Or get a UnitedHealthcare insurance quote:

          Company Profile

          UnitedHealthOne is the brand name used for private individual and family health insurance products underwritten and administered by Golden Rule Insurance Company, a UnitedHealthcare company. Golden Rule’s dedication to this market has led to a great understanding of the average American’s health insurance needs. After years of business the carrier has created a diverse line of products to meet the customer’s expectations.

          Golden Rule Insurance Company now offers Health ProtectorGuard Fix Indemnity Insurance for Under Age 65

          Golden Rule Insurance Company, a UnitedHealthcare company, is now offering Health ProtectorGuard fixed indemnity insurance. Plans are available up to age 65. Some key points of Health ProtectorGuard are that the plans allow you to receive eligible services from any doctor or hospital you choose and get a fixed benefit. Many consumers choose Health ProtectorGuard so they can continue to see their doctor. With HPG, you decide what doctor you want to see!

          Contact us to learn more about Health ProtectorGuard.

          Dental and Vision Insurance Plans and Packages

          If you are shopping for dental and vision insurance quotes you came to the right place. We offer both stand alone dental and stand alone vision policies. However, it is important to know that buying coverage in a package is usually more cost effective. Right now the market has limited policies that are available to individuals and families in search of both dental and vision insurance. Packaging the policies can save you up to $50 per a year.

          Hot Tip: Most policies only issue one bill and one card for the dental and vision insurance policy. This give you less to worry about, because you only have one policy to keep track of.

          Get Dental / Vision Insurance Quotes

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            Once you submit for your dental and vision Insurance quote request, you will learn about many packages that are available to you. Here are some frequently asked questions that almost all shoppers have.

            Can I use my Dental Insurance Right Away?

            The answer is YES. Your preventive dental coverage is available to use instantly. This means on your policy effective date you are allowed see the dentist, get cleanings, x-rays, and exams. If you are in need of dental insurance with no waiting periods on fillings or major dental work, we can also have recommendations for this type of coverage.

            Right now in the US an average cost of cleanings, x-rays, and exams is around $250-$400 depending where you reside. With dental insurance you can simply pay your first months premium and have this coverage instantly.

            Basic and Major dental work coverage may have some waiting periods associated with the treatments. These waiting periods depend on the policy design. Almost all companies offer immediate access to the insurance company rate on all procedures. Learn more about this on our overview to dental insurance page.

            Can I use my Vision Insurance Right Away?

            Yes, your vision insurance can be used right when your policy become effective. If in the past you ever paid full retail price for eye exams, contacts, or glasses, then you are in for a pleasant surprise. Your next visit may cost you as low as $10 in co-pays. It is not uncommon for people to call our office and tell us they spent $500 on new glasses. Once you have vision insurance, you can put those days behind you. The dental and vision insurance combo is one of the longest lasting policies in the insurance industry, with average utilization you’ll get your money’s worth.

            What is the Best Dental and Vision Insurance Bundle?

            Right now it depends on where you live and the number of members applying. The beauty of QuoteFinder.Org is that we work with all the companies. We are 100% designed to meet your needs. As an independent insurance agency, we earn very little money selling dental and vision insurance policies but see the need in the marketplace. If you’ve arrived at our site, that means you probably have already dug through a dozen other sites trying to sell you discount plans or other dental products from companies you never heard of before. You may have felt a bit leery about those products and that is the correct feeling to have.

            Today the internet has ten bad products for every good product being offered. With our guidance and friendly staff we can answer your questions and get you pointed in the correct direction. Of the people we talk to, 1 in 2 enroll in a plan with us. We have good chance of meeting your dental needs.

            Here are the reasons why dental insurance may not be right for you.

            • Plans cost between $20 – $50 and some people just can’t fit this into their budget.
            • Many people want braces covered and dental insurance is NOT designed to offer much benefit for braces. We prefer NOT work with these consumers as we know they will expect more and receive less.
            • Some consumers have completely ignored their dental health, and even with a top of the line dental insurance policy, they would still have to pay thousands to fix the problems.
            • Some shoppers, are simply shoppers. The idea of dedicating an increment of time to choosing a quality product and moving forward with the purchase is just not the way they lead their life.

            Here are the reasons why dental insurance IS a good fit for you.

            • You value your dental hygiene
            • You understand the importance of a good smile
            • Traditionally, you get two cleanings every year
            • You’ve always had dental and vision insurance and understand it’s value
            • You understand that dental insurance keeps you on track with having two annual visits
            • You fully know that sooner or later you WILL need your dental insurance for fillings, crowns, root canals, etc and you want to be ready for when those bills come.

            Learn more about dental hygiene in the US. Or Get A Quote On Dental and Vision Insurance.

            Current Medicare Plan G Policy Holders

            If you are currently a Medicare supplement Plan G policyholder, you may have heard about upcoming changes regarding the availability of Medicare supplement Plans C, F and High-Deductible F. With all the information that’s out there, we want to make sure you know the facts.
            Effective January 1, 2020, the Medicare Access and CHIP Re-authorization Act of 2015 (MACRA) will not allow those who become Medicare-eligible after December 31, 2019 to purchase plans that cover the Medicare Part B deductible.
            Current Medicare-eligible beneficiaries are not affected by this ruling.

            Check on Plan G Medicare Supplement Rates
            For current Plan G Policy holders this means…
            Your Medicare supplement coverage will not change. It will continue paying its benefits as outlined in your policy. Your policy will continue as long as premiums are paid on time. Plans C, F and High Deductible F still will be available where offered.

            PPO Health Insurance for Pennsylvania

            Health Insurance Plan for PennsylvaniaIf you live in Pennsylvania you will be happy to know that New Health Insurance Plans are available for 2019. Many large name carriers are offering Private Health Insurance Policies. Prices on these policies are 40% less than the Obamacare plans, and the plans are PPO coverage so you can choose your doctor and hospital.

            Health Insurance Plans for Pennsylvania, Not Obamacare

            Here are some key points:

            2019 Medicare Part B Changes

            Medicare Part B2019 MEDICARE PREMIUMS AND COPAY/DEDUCTIBLES

            2019 PART B PREMIUM

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

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

             

            2019

            Income level- File Individual

            2019

            Income Level- File Joint

             

            2019 Part B Premium

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

            less than or equal to $160,000

            Greater than $267,000 and

            less than or equal to $320,000

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

             

            2019 COPAY/DEDUCTIBLES

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

             

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

            ▪      61-90 days

            ▪      91-150 days (lifetime reserve)

             

            $335

            $670

             

            $341

            $682

            Skilled Nursing Facility Care Coinsurance

            ▪      21-100 days

             

            $167.50

             

            $170.50

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

             

            Aetna Dental Insurance with Added Vision and Hearing

            Aetna Dental, Vision, and Hearing offers valuable protection by including three types of coverage in one policy. Aetna is trying to help your family smile bigger and brighter, protect healthy vision to see clearer, and hear the world just that much better.

            Plan Features

            • Guaranteed Acceptance – No Health Questions
            • Guaranteed Renewable – as long as you pay your premiums on time
            • Issue ages 0-89
            • For individuals or families
            • Choose $1,000 or $1,500 max benefit per policy year that covers dental, vision, and hearing per person
            • Plan deductible is $100 per policy year per a person
            • Freedom to choose any provider or get even better pricing by using Aetna in-network providers
            • Benefits paid directly to insured or to the provider
            • 30-day free look – return your policy for any reason within 30 days for a full refund of all premiums paid

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

            When does my Aetna Coverage Begin?

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

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

            The Best Dental Insurance Plans Available

            The Best Dental Insurance Policies
            Finding a good health insurance plan is essential in keeping up with one’s physical health. It keeps the cost to the patient at a somewhat affordable level and may even help find a better group of doctors who provide amazing care. The same can be said for dental care. Finding good dental insurance is critical to keeping teeth healthy. As such, it is good to know some of the dental insurance policies available.

            Golden Rule Insurance Company, a UnitedHealthcare Company

            These robust dental policies focus on preventive, major, and emergency dental procedures. Preventive care such as cleanings, x-rays and Exams are covered without a waiting period or a deductible.

            The plans cover basic dental services as well as major procedures like a root canal, but this depends on the plans deductible and waiting periods. The PPO offers more than 400,000 dentists, and no claim forms are needed since in-network dentists get direct payment.

            There are some age restrictions on dental insurance. Some plans are for age 64 and above, while other plans are for under age 65. Many different plans are offered with many different benefits. Each plan can be customized to best fit the person purchasing it.

            Humana

            Humana is another insurance company that provides individual and family dental health insurance. Humana has a significant amount of dental insurance plans, all of which are affected by many factors. For example, age, gender, and dental needs can all affect the type of plan that is best for a certain individual.

            Humana has plans that differ in benefits. Some plans have a higher premium, monthly payment, than others. Differing plans also have differing co-pays and deductibles, both of which are paid by the patient. Certain plans provide discounts, so the patient would pay the dentist directly at a discounted price. Again, Humana does not have an age limit.

            Ameritas

            Ameritas is another company that offers dental insurance. Ameritas has no age restrictions for its dental policies, and Ameritas allows next day effective dates to begin coverage.

            Ameritas has no co-pays for preventive dental care, and these preventive care benefits are more expansive when using an in-network dentist. The network includes over 382,000 dentists, which reduces the amount of paperwork. Ameritas has a resourceful customer support team that is always available to answer questions and resolve problems.

            Ameritas offers plans for individuals beginning as low as $19 a month for the most basic coverage in some states. The most expensive monthly individual plan is $35 a month, and it covers preventive care, restorative care, and orthodontic work. Plan premiums begin to change as more people are added, but Ameritas provides a wide enough variety that everyone should be able to find coverage.

            Also see GPM Dental which uses Ameritas PPO Network.

            Aetna

            Aetna is an insurance company that offers real insurance but like to market its dental discount plans. While not the same as insurance, the discount card will provide a some decrease in the cost of dental procedures for in-network dentists. For an individual, the cheapest discount plan is $7.99 per month, and, for a family, the cheapest discount plan is $10.99. For both, the initial cost is $15. We do not recommend these plans as they are not real insurance….

            The discount has a network of dentists achieving more than 200,000 dentists across the United States. Most procedures will see a 15-50% discount through any of the available dental discount plans. Dental specialists accept the discount plans too. Some of the available discount plans offer discounts for vision and hearing care as well as dental care.

            The dental discount plans are not as flexible as plans from Ameritas or United Healthcare, but they are still useful. The discounts may be enough for someone who cannot afford full-coverage or for someone who does not want to pay for full-coverage.

            The Government

            When using the Health Insurance Marketplace, it is possible to purchase dental insurance through the government. To get a dental plan through the Marketplace, a person must be purchasing a health plan as well. Some of the plans in the Marketplace come with dental insurance, which will be shown when comparing the plans. The coverage has low limits and it needs to be purchased with an SEP or during Open Enrollment…..it is not a very good product, certainly not the best dental insurance….

            Sometimes, there are dental plans available that are stand-alone. They are not a part of health insurance plans, but they must still be bought at the same time as health insurance is bought. This also means that there will be two monthly premiums that must be paid. Some plans offer high deductibles and low premiums, while others offer low deductibles and high premiums.Dental insurance is considered a necessary benefit for children. Children must be offered dental insurance, whether it is through a stand-alone plan or mixed with a health plan. For adults, dental insurance is not considered necessary. Insurers are not required to provide or even offer a dental insurance plan to adults.

            Conclusion

            Insurance can seem like a complicated beast, but all it takes is some time to understand it. Finding the right plan for a family or individual can save more money in the end since waiting for a dental disaster can be expensive.