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What is the Best Health Plan For You If You Don't Qualify For Obamacare Coverage?

Posted Jul 26, 2016
By Jenifer Dorsey

What is the Best Health Plan For You If You Don't Qualify For Obamacare Coverage?

Maybe you forgot to enroll for an Obamacare plan, or maybe your Obamacare plan (i.e., ACA-compliant major medical insurance) got cancelled because you didn’t make payments. One way or another, you’re probably reading this because you’ve found yourself uninsured outside of the annual open enrollment period for individual health insurance plans.

Continue Reading: What is the Best Health Plan For You If You Don't Qualify For Obamacare Coverage?


Which Dental Insurance is Best for Me?

Posted Jul 25, 2016
By Jenifer Dorsey

Which Dental Insurance is Best for Me?

How to Choose a Dental Plan and Company

1. What kind of dental care do you typically need in a year?

Are you all about preventive care? Preventive care typically includes routine exams and cleanings to make sure your teeth and gums are healthy, as well as sealants and fluoride.

Do you occasionally need basic care? Basic care tends to include dental procedures such as fillings or extractions to repair and restore individual teeth due to decay.

Are you expecting major care soon? Major care usually includes more complex and expensive dental procedures such as crowns, bridges and root canals.

Different dental plans offer different levels of coverage for care in each of these categories. That coverage level will impact your plan premium as well as what you pay out of pocket for dental care. In addition to deductible, copays and coinsurance, take into consider annual maximum benefit limits, additional discounts that may be available to members, and plans bundled with vision benefits.

Learn how dental insurance works

 

2. Do you have a preferred dentist?

Many dental plans require you to use a network provider, while some may allow you to choose any provider. Carefully review the details of plans you are considering to see what, if any, provider restrictions are in place.

If you need to see a network provider, check the plan’s provider directory to see if your dentist participates. Directories may be found on the dental insurer’s website, or you can call the company’s member services number for assistance and the most up to date information.

Whether you must use a network provider or not, it is important to verify that your dentist or oral healthcare provider accepts your plan.

3. Does the plan include waiting periods?

Some dental plans include waiting periods of six to twelve months before certain services are covered, which is one reason to enroll in dental benefits before you need them. Typically, there are no waiting periods for preventive care, but it is good practice to check before you buy. A waiting period may work for you, but knowing about it before you buy can help you avoid surprises.

These are just a few things to consider when shopping for and comparing dental insurance plans. Work with a licensed health insurance producer who can help you weigh your coverage options and answer your questions.

Call the number at the top of your screen to speak with a health insurance producer about dental benefits.

Find dental insurance on your own: Get a custom quote now

 

 

What is the best dental insurance company?

The best dental insurance company for you may differ from the best dental insurance company for someone else. It’s often a matter of preference and options, much like choosing the best health insurance company.

Here are key things to consider when comparing dental insurers:

  1. What companies offer dental plans that match your needs?
  2. How do premium rates for similar coverage compare from company to company?
  3. Are your preferred providers covered by (and accept) any of the plans the insurer offers?
  4. When visiting the company website or speaking with customer services, are you satisfied with your experience?
  5. From whom do your friends and family buy dental insurance, and what do they have to say about it? 
  6. What is the company’s reputation? Look at reviews and ratings such as A.M. Best and the Better Business Bureau

Health insurance producers who sell dental coverage may sell plans from multiple companies and can help you draw comparisons and find dental benefits you consider affordable. You can also find dental plans online, whether directly through a carrier or from a website such as healthedeals.com.

How much does dental insurance cost?

 


DENTAL
THIS PLAN DOES NOT MEET MINIMAL ESSENTIAL COVERAGE REQUIREMENTS FOR PEDIATRIC DENTAL SERVICES IN ACCORDANCE WITH THE AFFORDABLE CARE ACT (ACA) PROVISIONS.

About The IHC Group
Independence Holding Company (NYSE: IHC) is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual disability, specialty and supplemental health, pet, and life insurance through its subsidiaries since 1980. The IHC Group (including through its 92% ownership of American Independence Corp. (NASDAQ: AMIC)) owns three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company), a majority of Ebix Health Administration Exchange, Inc., a fully insured third party administrator, and IHC Specialty Benefits, Inc., which is a technology-driven insurance sales and marketing company that creates value for insurance producers, carriers and consumers (both individuals and small businesses) through a suite of proprietary tools and products (including ACA plans and small group medical stop-loss). All products are placed with highly rated carriers.

About IHC Specialty Benefits, Inc.
IHC Specialty Benefits, Inc., doing business as Health eDeals Insurance Solutions is a full-service marketing and distribution company that focuses on small employer, individual and consumer products. Health eDeals markets products via general agents online, telebrokerage, advisor centers, private label and directly to consumers. For more information about Health eDeals visit http://www.HealtheDeals.com.

Continue Reading: Which Dental Insurance is Best for Me?


‘Something Terrific’? Taking a Closer Look at Donald Trump’s Healthcare Plan

Posted Jul 21, 2016
By Jenifer Dorsey

‘Something Terrific’? Taking a Closer Look at Donald Trump’s Healthcare Plan

 

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3 Reasons Your 2016 Health Plan May Be Cancelled—And 3 Things You Can Do About It During 2017 Open Enrollment

Posted Jul 21, 2016
By Jenifer Dorsey

3 Reasons Your 2016 Health Plan May Be Cancelled—And 3 Things You Can Do About It During 2017 Open Enrollment

 

Continue Reading: 3 Reasons Your 2016 Health Plan May Be Cancelled—And 3 Things You Can Do About It During 2017 Open Enrollment


How Does Dental Insurance Work? A Quick Primer

Posted Jul 20, 2016
By Jenifer Dorsey

How Does Dental Insurance Work? A Quick Primer

 

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What Is Short Term Medical Insurance?

Posted Jul 18, 2016
By Jenifer Dorsey

What Is Short Term Medical Insurance?

What happens when you switch jobs and find yourself in between employer-based health insurance plans? Go through a divorce and lose access to a spouse’s health insurance coverage? Find out your Obamacare plan has been cancelled because you stopped making premium payments?

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3 Ways to Find Affordable Health Insurance Outside Obamacare Open Enrollment

Posted Jul 13, 2016
By Jenifer Dorsey

3 Ways to Find Affordable Health Insurance Outside Obamacare Open Enrollment

 

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3 Valuable Discounts to Look for in Your Next Dental Plan

Posted Jul 12, 2016
By Jenifer Dorsey

3 Valuable Discounts to Look for in Your Next Dental Plan

 

Dental insurance can seem pretty cut and dry. You enroll in a dental plan and it helps you pay for cleanings, fillings and other oral care. It’s not a one-size-fits-all situation. If you pick a cheap dental insurance plan and call it good, you may not get the best value for your premium payment or the best dental insurance coverage for your needs.

As we’ve said here before, not all dental insurance plans are created equal, even if they appear the same at a glance. Benefits vary. Many dental insurance plans cover two professional exams and cleanings per year at 100 percent, but not all of them do. Some dental plans include benefits for major care such as crowns, bridges or root canals, others will not. You may even consider a dental plan that includes vision insurance.

Maximize your dental dollars.

Get a quick quote!

What you select will depend upon your oral health and dental care needs in addition to what makes sense for your household budget. Conscientious shoppers can maximize their dental benefits and minimize their out-of-pocket spending.

 

 

Discounts add value to affordable dental insurance

In addition to comparing benefits when you shop for dental insurance, be sure to consider the extra discounts and services that may be offered to those enrolled in the plan. They may help reduce your overall healthcare costs throughout the year. These are three of the most common to look for when selecting an individual or family dental insurance plan:

1. Orthodontic discount programs – Do you or your children wear braces, need braces or require other orthodontic care? Orthodontia discount programs may be embedded in dental plans or available for a small upcharge.. 

2. Vision discount programs – Comprehensive eye exams are an important part of preventive care, too. Eye doctors screen for vision problems and look at eye health. Vision discount programs can help lower your out-of-pocket cost when you visit participating providers for an eye exam. You may also gain access to discounts on prescription glasses, contacts and other products and services. 

 

 

3. Dental tourism services – Book a dentist appointment and a vacation all at once. Some dental insurance plans include access to dental tourism services in which a company such as Dental Departures will help you arrange for discounted treatment in Mexico or other countries. 

Find and use dental discounts, save more with supplemental benefits

Be aware of these discounts when comparing dental insurance plans and, once you are enrolled, use them. 

Additionally, when you enroll in a dental insurance plan, consider supplemental insurance products that can also help lower your out-of-pocket healthcare costs. For instance, when you buy a dental plan through healthedeals.com, you may be able to add a Metal Gap or Telemedicine plan for a few extra dollars each month.

Shop supplemental plans

Remember, discounts on dental plans are not guaranteed, you should always check with your dental provider before making an appointment to discuss both your treatment and your financial responsibility

Do you have questions about dental and vision insurance plans and discounts, Obamacare plans or supplemental benefits? A health insurance producer can answer them and assist you in finding the right benefits for your family. Call the number at the top of your screen to speak with a certified advisor today.

Originally posted July 8, 2015. Last revised July 12, 2016.


 

DENTAL
THIS PLAN DOES NOT MEET MINIMAL ESSENTIAL COVERAGE REQUIREMENTS FOR PEDIATRIC DENTAL SERVICES AS PART OF THE ESSENTIAL HEALTH BENEFITS IN ACCORDANCE WITH THE AFFORDABLE CARE ACT (ACA) PROVISIONS.

About The IHC Group
Independence Holding Company (NYSE: IHC) is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual disability, specialty and supplemental health, pet, and life insurance through its subsidiaries since 1980. The IHC Group (including through its 92% ownership of American Independence Corp. (NASDAQ: AMIC)) owns three insurance companies (Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company), a majority of Ebix Health Administration Exchange, Inc., a fully insured third party administrator, and IHC Specialty Benefits, Inc., which is a technology-driven insurance sales and marketing company that creates value for insurance producers, carriers and consumers (both individuals and small businesses) through a suite of proprietary tools and products (including ACA plans and small group medical stop-loss). All products are placed with highly rated carriers.

About IHC Specialty Benefits, Inc.
IHC Specialty Benefits, Inc., doing business as Health eDeals Insurance Solutions is a full-service marketing and distribution company that focuses on small employer, individual and consumer products. Health eDeals markets products via general agents online, telebrokerage, advisor centers, private label and directly to consumers. For more information about Health eDeals visit http://www.HealtheDeals.com.

Continue Reading: 3 Valuable Discounts to Look for in Your Next Dental Plan


Will Health Insurance Cover My Child at Summer Camp?

Posted Jul 07, 2016
By Jenifer Dorsey

Will Health Insurance Cover My Child at Summer Camp?

 

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3 Summer Health Insurance Options for the Uninsured

Posted Jun 30, 2016
By Jenifer Dorsey

3 Summer Health Insurance Options for the Uninsured

 

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