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 www.healthedeals.com.
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.
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 www.healthedeals.com, you pay only $15 per consultation. Plus, you receive patient advocacy, discount vision benefits and more!
Learn more about all telemedicine has to offer. Read our “Top 10 Reasons to Try Telemedicine.”
3. Medical Gap Insurance
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.
If you have questions or need assistance selecting supplemental coverage, call the number at the top of your screen.