Medical and Dental

Medical and Dental

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Category: Uncategorized

Save Money by Combining Medical and Dental Insurance Plans

Posted on August 19, 2018 in Uncategorized

Medical insurance is often one of the biggest monthly expenses a family has. Health care costs have been steadily rising in the past few years, and the costs of comprehensive health insurance plans have been rising with them. Many health insurance providers have been attempting to ease the burden to consumers by offering new ways to save money on insurance, such as combining medical and dental insurance plans.

Combining medical and dental insurance into one plan, such as the plan offered by Blue Cross Blue Shield and Delta Dental of Minnesota, has the potential to save consumers up to 11% on dental insurance. A number of similar plans are available nationwide and can be found using free online health quote services.

Available either through your employer or privately, combined medical and dental insurance will generally result in more coverage for less. Dental plans typically cover basic prevention care and work, such as fillings or annual cleanings. Combining health insurance with dental coverage, bridges the gap in health care, so should you ever need some kind of surgery for dental work, it will most likely be covered. Dental insurance options can be discussed with your insurance provider to ensure that you have the personally tailored coverage you need.

Health insurance plans are typically customized to suit the needs of the family or the individual. If the insurance is being purchased through the employer, then there may also be different care options available. Many health insurance plans allow you to add additional coverage, such as maternity coverage for pregnant women or extra coverage if there are any recurring health problems.

If combining medical and dental insurance is something you might be interested in, compare rates using a free online health insurance quote service, and then consult with your current insurer. Combined plans can save you money, time and confusion while providing more comprehensive coverage for you and your family.

How to Get Inexpensive Medical and Dental Insurance

Posted on August 17, 2018 in Uncategorized

Contrary to popular belief, inexpensive medical and dental insurance is not a thing of the past. You can get it now, if you know where to look and what to get.

Comprehensive Medical Insurance Plans

Comprehensive insurance plans cover your ongoing health care needs and are the most expensive plans. They include:

* Indemnity Plans. These are the traditional insurance plans that cover your doctor visits, hospital fees, and prescription drugs. These plans let you use your own doctor and hospital, and are the most expensive of the comprehensive insurance plans.

* Managed health care plans (HMOs, PPOs, POSs). These plans assign you to a health care group – doctors, hospitals, and specialists – that you use for your health care needs. Some of these plans let you use your own doctor and hospital for an additional fee. They are the least expensive comprehensive insurance plans.

* Medical saving accounts. These plans combine a tax-sheltered savings account with a high-deductible health insurance plan. The savings account is used to pay for minor medical expenses and the insurance pays for more expensive medical expenses.

Specialized Health Insurance Plans

Specialized health insurance plans cover only specific health care needs. They are the least expensive insurance plans. They include:

* Major medical insurance plans. These plans are high deductible health insurance plans that provide coverage for major illnesses such as heart attacks and cancer.

* Hospital and surgery plans. These plans provide coverage for hospital stays and surgical services only. They cover doctor fees, room and board, lab tests, and X-rays.

* Hospital confinement plans. These plans pay a set amount for each day you spend in the hospital.

* Short term plans. These are comprehensive health insurance plans with coverage that lasts for a specified amount of time.

* Accident only plans. These plans pay for doctor visits and hospital fees when you have an accident. They do not cover illnesses or diseases.

Dental Insurance Plans

Standard dental plans pay for dental services such as teeth cleanings, fillings, extractions, crowns, and X-rays. Indemnity dental plans allow you to see the dentist of your choice, and managed dental plans assign you to a group of dentists.

Dental plans are less expensive when they are part of a health insurance plan. You also have the added benefit of having only one insurance bill and one company to deal with.

An Alternative to the Health and Dental Care Crisis in America!

Posted on August 16, 2018 in Uncategorized

A truly top concern of Americans today is the health and dental crisis we all face in getting appropriate care for these issues at affordable prices. Because of  the medical and dental costs increasing at three times the rate of inflation, insurance companies are escalating their prices out of the reach of the average middle income family and individual! 

As reported during this 2008 presidential campaign, 47 million Americans don’t have any form of health and major medical plans. Another less advertised statistic is another 50 million people on top of this, do not have any form of dental plan. We are confident those figures are growing daily! Imagine the millions that simply can not pay the monthly payments and the millions of others that are unable to get a plan because of ongoing health conditions. 

Some of the side effects of this crisis are showing up in a variety of ways and certainly adding to the negative effect on our economy. Half of all bankruptcies are caused by medical expenses. Half of all childrens emergency room visits in Florida are a result of painful dental problems or absesses! Can you also imagine that many people put off the solution to their health or dental problems, until the cost of the cure becomes dramatically expensive, when the preventive action may have been minor?   

Consumer driven health and dental care has been in existence since the early 1990’s. These plans generally require a fraction of the monthly payment as compared to traditional health, major medical, and dental plans. And they have the potential of saving thousands for their clients because of negotiated discounts with medical and dental professionals and varied other services. Some of the additional services added in recent years include vision care savings, prescription, chiropractic, auto club, legal and identity theft services.

As a result of these tough economic conditions, many people are looking for a way to moderate their monthly costs for risk management. Gasoline costs have certainly brought to the forefront the need for lower monthly payments for health, major medical, and dental plan payments. There are numerous examples of many Americans saving large sums of money that far outweigh the monthly expense of these consumer driven health, major medical, and dental plans without the outlay of $300.00 to $1,000.00 per month on traditional insurance plans! Checking out this alternative could make a significant difference and a real peace of mind for you and your family!