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3 Supplemental Health Insurance Benefits That Can Help Your Family Save in 2016

3 Supplemental Health Insurance Benefits That Can Help Your Family Save in 2016

Posted Dec 28, 2015 by Jenifer Dorsey

 

You’ve enrolled in an Obamacare health insurance plan for 2016. That means you’ve secured ACA-compliant major medical coverage for the year ahead—coverage that includes certain preventive services and essential health benefits.

But what about your other healthcare costs, the ones you may have to pay out of your own pocket? Are you prepared to pay cash for dental care? Can you afford your health insurance deductible should you have a major accident or illness?

Now is a good time to consider supplemental health insurance products. Supplemental health insurance products offer benefits that complement, rather than replace, your major medical coverage. They can help you save on healthcare expenses your Obamacare plan won’t cover—expenses that you would otherwise pay for out of pocket.

Here are three common supplemental benefits worth your consideration:

  1. Dental insurance

Regular preventive dental exams and cleanings are an important part of maintaining healthy teeth and gums.[1],[2] And, studies show that people with dental insurance are more likely to visit the dentist.[3] Dental insurance plans help pay for a range of dental services, from preventive to major care—many plans cover two professional exams and cleanings per year at 100 percent. Dental benefits can also lower your out-of-pocket cost for fillings and other dental work.

The Affordable Care Act includes pediatric dental coverage among its essential health benefits. However, adults are not required to have dental insurance, and the pediatric dental coverage on your Obamacare plan may leave you with out-of-pocket charges for your child’s dental visits. And while children may gain dental benefits through their health insurance plans, health insurance plans rarely include any dental benefits for adults. 

You can buy dental benefits on some state-based or federally facilitated exchanges, from a health insurance producer (i.e. agent, broker, adviser), or through a website such as healthedeals.com.

Get a family dental quote

Not all dental plans are the same. Carefully compare plan options and look for added discounts and benefits that meet your family’s specific needs.

  1. Telemedicine

When you have a minor ailment, going to the doctor can seem like a real chore. Furthermore, if you have to wait until after hours to get medical attention or can’t get an appointment, you may wind up in urgent care where you could incur some hefty bills. Telemedicine can help you avoid the drive, the waiting room, and the office visit or urgent care charges.

Telemedicine benefits allow you to receive healthcare anytime, anywhere. You gain access to over-the-phone health consultations with licensed physicians—anytime of day, any day of the year. Don’t worry about networks.

With the Telemedicine package offered through healthedeals.com, you pay only $15 per consultation. Plus, you receive patient advocacy, discount vision benefits and more!

Add Telemedicine benefits

Learn more about all telemedicine has to offer. Read our “Top 10 Reasons to Try Telemedicine.” 

  1. Metal Gap or Metal Gap 2

Concussions, broken bones, ankle sprains. These are a few common injuries that can happen to most anyone—young children, student athletes, active adults and less active folks alike. And, when they do happen, you may wind up paying a lot of bills out of pocket if you haven’t yet met your health insurance deductible.

Medical gap coverage can be a real help. For a few dollars in monthly premium, you gain access to benefits that can make your high-deductible bronze or silver plan feel like gold. Medical gap plans pay lump sum benefits when covered accidents or illnesses occur—you can use this payment toward your deductible or anything else you choose.

Here’s how it works: bit.ly/1OdMkN2. Visit healthedeals.com to learn more about Metal Gap and Metal Gap 2. While you are there, get a quote to determine which product is available in your state

Explore supplemental plan options

If you have questions or need assistance selecting supplemental coverage, call the number at the top of your screen.

 


 

[1] American Dental Association. “Decay.” http://www.mouthhealthy.org/en/az-topics/d/decay

[2] American Dental Association. “Gum Disease.” http://www.mouthhealthy.org/en/az-topics/g/gum-disease  

[3] Bloom, Barbara, et al. “Dental Insurance for Persons Under Age 65 Years with Private Health Insurance: United States, 2008.” NCHS Data Brief. No. 40. June 2010. http://www.cdc.gov/nchs/data/databriefs/db40.pdf

This document is for general informational purposes only. While we have attempted to provide current and accurate information, this information is provided "as is" and we makes no representations or warranties regarding its accuracy or completeness. The information provided should not be construed as legal or tax advice or as a recommendation of any kind. External users should seek professional advice from their own attorneys and tax and benefit plan advisers with respect to their individual circumstances and needs.

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.

© 2015 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services. Teladoc phone consultations are available 24 hours, 7 days a week while video consultations are available during the hours of 7a.m. to 9p.m., 7 days a week.

METAL GAP and METAL GAP 2
THIS PLAN IS NOT CONSIDERED TO BE MINIMAL ESSENTIAL COVERAGE AS DEFINED BY THE PATIENT PROTECTION AND AFFORDABLE CARE ACT (ACA). ENROLLING IN AND MAINTAINING THIS PLAN WILL NOT EXEMPT YOU FROM THE SHARED RESPONSIBILITY PAYMENT (TAX) THAT MAY APPLY IF YOU DO NOT HAVE PLAN WITH ACA-COMPLIANT COVERAGE.

About The IHC Group
The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over30 years. Members of The IHC Group include Independence Holding Company (NYSE:IHC), American IndependenceCorp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.) Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit www.ihcgroup.com.

About IHC Specialty Benefits, Inc.
IHC Specialty Benefits, 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 through general agents online, telebrokerage, advisor centers, private label and directly to consumers. For more information about Health eDeals visit www.HealtheDeals.com.