Where To Find The Best Cheap Discount Dental Plans And Quotes Near Me

Are you looking for cheap dental insurance and discount dental plans near you? Maybe you are needing dental implants, orthodontic insurance, or simply a cleaning.  Perhaps you need dental insurance for kids or dental insurance for seniors. No matter what you are needing, you are probably wanting your purchase to be cheap insurance for affordable dental care. Before you read any further, you will want to check out great discount dental plans and quotes near you by clicking on the link below.

Join today and get 10% off any plan and 1-Month free! Just use code CJ10

Why Buy Discount Dental Plans?

No dental insurance? Before you buy dental coverage and go looking for a dental clinic near you, it would be good to understand why you might need to look into discount dental plans. Many people think the cost of a cleaning is low cost dental work, so why not just find a cheap dentist without insurance, pay out of pocket, and not pay premiums for full coverage dental insurance? That’s not a bad way to think, but consider these other dental costs that will be a heavy burden, especially for those needing low income dental care.

  • Braces – Most kids will need braces, and many adults need them too. The average cost of braces is between $3,000-$7,500. Now, even with dental insurance for braces, you will pay some out of pocket since most plans limit the coverage. However, with a good dental plan you can get a discount on the price of the braces and save a ton of money vs. what you would pay without orthodontic insurance.
  • Dental Implants – Dental implants, also known as root canals, have an average cost of $4,000. Can you imagine the physical pain of a root canal being compounded by a $4,000 dentist bill? Dental insurance companies offer dental implant insurance that greatly reduces your expenses.

The dentist prices associated with braces and dental implants are just a couple of high cost expenses that can occur. When you find the best dental insurance plan and best discount dental plan near you, you can mitigate these costs and get affordable dental care.

Save Up to 60% on Dental Care. Join. Save. Smile.

What Kind of Dental Plans Are Available Near Me?

There are a number of different types of cheap dental plans near you.

  • Do you want insurance just for yourself or your family? Individual dental insurance plans and family dental insurance plans can be purchased, depending on your needs. Compare dental plan prices in your area and see the dental plan quotes for all your dental needs.
  • Dental Discount Plans – Want a dental plan without a waiting period? Then you need to get a discount dental plan.  Discount dental plans can be a great way to find affordable dental plans to get low cost dental care. Please note that dental discount plans are NOT full coverage dental insurance. They are simply a discount on the cost of dental services. However, a dental discount card can be very valuable and allow you to find an affordable way to get cheap dental care. They are much cheaper than dental insurance. Find great plans here!
  • PPO Dental Insurance – Dental insurance PPO plans are what many people are familiar with. There is usually a deductible and annual maximum, and you pay a percentage, or coinsurance, for services. Many times a cleaning is paid for at 100%, allowing you to get free dental work!
  • HMO Dental Insurance – A dental insurance HMO plan is similar to a PPO dental insurance plan. However, HMO plans usually have a set fee for each service that a dentist might perform.

Save 10-60% and Get 1-Month FREE! with :DentalPlans

Who Should Buy A Discount Dental Plan

Discount dental plans are great for anyone who wants to get cheap dental work but not pay a lot for that privilege. Dental discount plans give you freedom to find a cheap dentist and get even more bang for your buck. No worries about networks.

College students are great for discount dental plans. When your child is away from home, you want to know that they will be taken care of if they had to go see a dentist. Discount dental plans are great, inexpensive dental plans for college students. Here is a great offer for college students:

college students dental insurance discount dental plan where to find a dental plan near me
Great dental plan offer for college students.

 

How To Get Discount Dental Plans, And How Much Are Discount Dental Plans Near Me?

Fortunately, it is easy to find out how to get discount dental plans near you, and how much a discount dental plan is near you. You can go here to compare dental plans and find the dental insurance cost that you are comfortable with. Once you get your plan, you can start looking for a dentist that can provide you with the cheap dental work that you need to get that beautiful smile.

Visit :DentalPlans to choose from 40+ affordable dental savings plans. Join today and receive 1 additional month of membership free! Use promo code 1FREE

Read More

Iphones and Tables and ipads

Telemedicine Benefits and Disadvantages for Patient Primary Care




As the cost of health care premiums increase and out-of-pocket limits in health insurance plans continue to rise, people are left to wonder what can be done about the rising cost of health care. People with High Deductible Health Plans and HSAs are especially hard hit when it comes to the simplest parts of receiving health care. An HSA member can find that a routine visit to a primary care physician is at least $100. Many times, much more than that.

One of the ways to combat this charge is to enroll in telemedicine. With telemedicine you can have a doctor consultation over the phone. Sometimes this is done on a voice call, and sometimes this is done through a face-to-face interaction through a smartphone. Telemedicine is a terrific way to lower the cost of medical services while still receiving quality care. Here are some telemedicine benefits and disadvantages for patient primary care.


 

Telemedicine Benefits

Lower Cost for a Physician Consultation

The typical cost for a doctor visit varies based on the member’s plan design, but even the most generous copays today are $15 per visit. Usually the cost is much more, especially if you are on a bronze plan from the Marketplace. As mentioned above, telemedicine is a great way to lower the cost of HSA out-of-pocket expenses, as an HSA plan could cost you $100-200 just to see a doctor about a sinus infection. That’s ridiculous. If you buy a telemedicine program, the cost to see the doctor is much lower. When all you need is for someone to hear your symptoms and give you a simple antibiotic, do you really want to spend a small fortune? Of course not. The best telemedicine benefit is that the charge to have a doctor see you is lower than what you would pay to see him or her in person.

Less Time Spent Away From Other Things

In addition to too much cash out of your pocket when going to a doctor’s office, a trip to the doctor takes valuable time out of your day. How many of us have employers that will allow us to take half a day off to go see a doctor for something minor? That leaves us either taking vacation or going after-hours to an urgent care or emergency room, where the cost to be seen skyrockets. With telemedicine, you can have a conversation by a doctor in a matter of minutes right from your home, office, car, wherever. And then you can go pick up your prescription at your convenience. Instead of 4 hours away from work, you can get by with just 15 minutes away from work.

Open on Weekends

What do you do if you get a sinus infection on a Saturday and your doctor is closed? Your choices are:

  • Go to an urgent care center (expensive and time consuming)
  • Go to the emergency room (more expensive and more time consuming)
  • Tough it out until Monday (suffer in pain and take off work on Monday)

An even better question is what do you do if your kids get sick on the weekend? Can kids use telemedicine? Of course they can. Another great telemedicine benefit is that you can call them on the weekend. A doctor will always be available. You can start taking a prescription on Saturday and be ready to go by Monday.

Telemedicine Docs Can Call in Prescriptions

Most doctors offices nowadays will call in a prescription for you during your visit. Telemedicine is no different. After your talk with the physician, he or she will send a message to your pharmacy to have your prescription ready. You can simply pick it up after school, after work, or any other time that is convenient for you. Don’t think that just because you did not go to their offices that the doctors can’t get you taken care of as soon as possible.

Can Be Done Over the Phone or Face-to-Face

When telemedicine burst onto the scene, all of the consultations were phone conversations. Today, many of these companies offer both voice and video conferencing. The doctor can look you in the eye and tell if there is something wrong with you. Maybe not as good as a real doctor could see you, but any additional information that the teladoc can have, the better.

The Doctors Take More Time With You

My experience with telemedicine is that the doctors make a great effort to completely understand my situation. While primary care physicians are great at their jobs, they are overbooked. When you have a minor illness you are lucky to get 5 minutes of time with your doctor. With telemedicine, you can have a good conversation with the doctor and feel comfortable that they are diagnosing you correctly. At least in my opinion and experience.



Telemedicine Disadvantages

Can’t Fix “Big Stuff”

Telemedicine is for issues that can be diagnosed and treated quickly and easily. If you suspect something larger, a telemedicine doctor is not for you. You need to see your primary care physician, specialist, or emergency room. Telemedicine is also not a replacement for a relationship with a primary care physician. While telemedicine is great for one-time issues, if there are recurring problems, a primary care physician should be consulted.

Can’t Dispense Narcotics

This goes with the above paragraph. Most states will not allow a telemedicine provider to write a prescription for a narcotic. So if you have something come up that needs the strong stuff, telemedicine will not be able to help you. But they may still charge you for the call. Go see your family doctor.

Won’t Count Toward Out-of-Pocket Expenses

With Obamacare, there are annual limits on the amount of out-of-pocket expenses that individuals can spend on any health insurance plan. So if you have a medical service or get a prescription filled with your health plan, your out-of-pocket expenses count toward this limit. Unless your telemedicine program is through your health insurance plan, and some are, your telemedicine cost will not be counted toward the out-of-pocket maximum. Since a telemedicine consultation is not a huge expense it may not matter, but it is something to keep in mind.

Not Available in All States

Lastly, telemedicine is available in almost all states, but not every one of them. And some that do allow telemedicine only allow it through face-to-face smartphone calls. So if you are interested, check out the states that your potential plan operates in.

Telemedicine Benefits Outweigh the Disadvantages

The cost of telemedicine is low, and you save time by enrolling in a telemedicine plan. Why not take advantage? Usually all it takes is about 2 calls to make it financially worthwhile. If you have a family, you could go to the doctor twice by the time January is over each year. So take a look at telemedicine benefits and disadvantages and see if it is something that you want to participate in.



Read More

Stethoscope and a calulator. Calculators are sometimes needed to determine an embedded deductible for health insurance

Best Ways To Get Health Insurance Between Jobs




Changing jobs is a hassle. Even when the change is your decision and you are excited about making a move, there is a lot of uneasiness that comes with finding new work. When you are between jobs due to a termination of some sort, it is not uneasiness you deal with, it is piles of stress. One of the biggest issues during a change of employment is finding good health insurance between jobs. Fortunately, there are a few ways to make sure that you and your family are covered in the event you find yourself without employer sponsored health insurance.

Before you start looking at your options, there are a couple of things you will need to understand.

  • First, make sure you have a firm understanding of when your coverage will begin at the new place. The Patient Protection and Affordable Care Act (PPACA) limits, for the most part, waiting periods to less than 90 days. Still, you will need to know if you will be covered on your new date of hire, first of the month following date of hire, first of the month following 60 days of employment, etc.
  • Second, know going in that some of these options will be more costly than what you were paying at the old place. Your employer was most likely subsidizing a large portion of your premium. The amount varies by the employer, and some do not pay much, but some do.
  • Third, a new plan will most likely have a different provider network, meaning your old doctor may not be in the network and you will pay more to visit him/her. Or you may not be able to visit that person at all. Check the networks of the plans you are considering.

Having said all that, here are the best ways you can get health insurance between jobs.




Health Insurance Marketplace

The health insurance marketplaces set up under PPACA are a great place to start when you find yourself looking for medical insurance at any point, especially if you are between jobs. The marketplaces, also called exchanges, have an annual enrollment period during which everyone can enroll, but if you have certain qualifying events, you may enroll at any time during the year. A loss of coverage is considered a qualifying event, so if you lose your insurance coverage when you leave a former employer, you can purchase a plan on the marketplace.

On the marketplace you will be able to easily explore and compare insurance options available in your area. Marketplace plans can be more expensive than what you were paying at your job, but you might also be eligible for a subsidy to help pay the premium. If the price is right, the marketplace might be the best option for finding health insurance between jobs.

COBRA

Employers that employ 20 or more people are usually required to offer COBRA. COBRA allows employs to continue to be on their former employer’s health insurance plans. The catch is that the employee is required to pay the full cost of the premium plus a fee, usually an additional 2%. For a family plan, this can be upwards of $2,000 per month or even more. An individual plan might be around $500 per month, but compared to what the employee was most likely paying out of a paycheck, $500 is a big jump.

COBRA guarantees that your plan will stay the same, and your doctors will still be available. But it is costly, so make sure this is absolutely the best option for you when you need health insurance between jobs.

Short-Term Health Insurance

Another option is to get a short-term health insurance plan, or temporary health insurance. As the name implies, short-term health insurance is when you only will need the insurance for a small amount of time. It is not full coverage medical care, and it will not keep you from the PPACA individual mandate penalty. In fact, short-term health insurance is not subject to most of the PPACA provisions.

Companies offering short-term health insurance can deny coverage for pre-existing conditions, and they are not required to renew coverage.

Still, temporary insurance can be a great cost-effective way to get the medical care you need.

Coverage Through a Spouse’s Plan

For married couples, if both people work, the person that is between jobs can jump on their spouse’s plan if one is offered through that person’s employer. There probably was a good reason why both people were not on the remaining plan to begin with, so there is a good chance that the coverage or price may not be as good as the coverage that was lost. But the plan may still be better and cheaper than what is available through the marketplace and COBRA. And the plan will definitely cover more than what short-term insurance covers. If this option is available to you, it is probably your best bet when you need health insurance between jobs.


Joining a Parent’s Plan

For people under age 26, enrolling in a parent’s employer-sponsored plan is a terrific option. Many employers do not charge much additional for children, and if another child is already on the plan, there is a good chance that the monthly cost will not increase at all. The plan still probably passes all the tests to avoid the mandate penalty, so it keeps you out of trouble with the IRS.

Telemedicine

While not health insurance, another way to get inexpensive health care while between jobs is to utilize telemedicine.  With telemedicine you can talk to a doctor anywhere, anytime, 24/7.  The cost is much lower than if you went to a doctor’s office and paid for the full charge of the visit, especially if you are not getting a network discount due to having no health insurance between jobs. Check out the link above and see if telemedicine is for you.

Health Insurance Between Jobs is Available

Being between employers is not always a fun thing to go through. Making sure you and your family are covered for medical expenses is a big priority. Fortunately, there are several ways to make sure everyone has quality and inexpensive health insurance between jobs.

Read More

Medigap Insurance Plans To Help Pay For Medical Expenses That Medicare Does Not Cover

EnrollMyself.com

Medigap Insurance Plans Help Supplement Medicare Part A and Medicare Part B

*While young people are not in the market for Medicare, they have parents and grandparents that are.  So it is important to have an idea of what Medicare involves.

Medicare was designed to help pay for medical costs for people aged 65 older, people of all ages with disabilities, and people with End Stage Renal Disease. However, Original Medicare does not pay for everything and still leaves the member exposed to many out-of-pocket expenses.  Fortunately there are ways to help cover these costs. Private insurers sell Medigap (or Medicare Supplement) plans that fill in the financial gaps that Medicare leaves open.  One thing to note is that all Medigap plans are the same among all insurers. An AARP Plan A is the same as an Aetna Plan A. The difference is how they are priced.

Plan A

Original Medicare typically requires a deductible for inpatient and outpatient services followed by a 20% coinsurance.  Medigap Plan A basically eliminates the coinsurance.

You are still required to pay the deductibles for Part A and Part B, but once the deductible is met, Plan A pays for the rest.  This includes pints of blood.  It pays for the first 3 pints of blood and then picks up the 20% member portion for blood in an outpatient setting.

Medigap Plan A does not pay anything extra for Skilled Nursing Facilities that are not covered by Medicare Part A.

Plan B

Medigap Plan B is very similar to Plan A.  The only addition is that Plan B pays for the patient deductible that the member is responsible for under Medicare Part A.  All other plan provisions are the same for Medigap Plan B as Medigap Plan A.

Plan C

Medigap Plan C has the same provisions as Plan B – which built upon Plan A – but it also pays for two extra things.

  1. Plan C pays for the Medicare Part B deductible.  So with Plan C you will not have a Medicare Part A or Medicare Part B deductible to pay.
  2. Plan C pays for emergency medicare care outside of the United States.  Medicare DOES NOT pay for this emergency service.  You must have a Medigap policy to have emergency insurance coverage outside of the United States.  And then, this only covers the first 60 days of each visit outside of the country.  The medicare care requires a small deductible, and then the Medgap plan pays 80% of charges up to a $50,000 lifetime maximum benefit.

Plan F

Medigap Plan F would be considered the “Cadillac” Medigap plan.  Plan F pays for more services than any other Medigap plan.  It covers everything that Plan C covers, plus the Medicare Part B excess charges that are above the Medicare-approved amounts.

Medigap Plan F still does not cover inpatient hospital stays beyond the additional 365 days after the lifetime reserve days are used.  These extra days are still the responsibility of the member.

Plan F also does not cover more than 100 days of Skilled Nursing Inpatient Care.

If you want to spend the money for the best Medigap insurance plan, Plan F is the way to go.

Plan K

Medigap Plan K is a “50%” plan.  It provides the following coverages for charges under Medicare Part A.

  • 50% of the Medicare Part A deductible, after which it pays for 100% of hospitalization costs.
  • 50% of the Skilled Nursing per day charge for days 21-100.
  • 50% of the first 3 pints of blood in an inpatient setting.
  • 50% of Hospice charges.

Plan K provides the following coverage for charges under Medicare Part B.

  • Portion of preventive benefits not paid for by Medicare Part B.
  • 50% of coinsurance required by the member (10% of charges).
  • 50% of the cost of pints of blood (excluding Part B deductible).
  • 50% of cost of durable medical equipment.

There is also a member out-of-pocket limit.

Plan L

Medigap Plan L is very simple.  You take a look at Plan K and substitute 70% for 50%.  In addition, the member out-of-pocket limit is half of the out-of-pocket limit under Plan K.

Plan N

Medigap Plan N incorporates copays into Medicare Supplement plans. Like Plan F, it pays for virtually all of the Medicare Part A charges. For Medicare Part B charges, it still requires a deductible. However, after the deductible is paid, Plan F pays for the member’s 20% coinsurance, except for a copay charged for office visits and emergency room visits. If the emergency room visit turns into an inpatient stay then the copay is waived.

Medigap Plan N also pays for pints of blood and durable medical equipment after the Medicare Part B deductible is met.

Plan N pays the same foreign travel emergency benefit as the other plans mentioned here.

What is the Cost of Medigap Insurance Plans?

What you pay for a Medigap insurance plan depends on several factors, including your age and zip code.  Contact your Medigap insurance company for more details on the premiums required for each plan.

The amount you pay at the medical service provider depends on if the provider accepts Medicare assignment.  Charges from providers that accept assignment will most likely result in lower costs for the Medicare recipient.

Other Medigap Insurance Information

For more information on Medigap insurance, check out Medicare and AARP.

EnrollMyself.com

Read More

How to Find Health Insurance That Is Affordable Under Obamacare

Beginning on January 1, 2014, most of the provisions of the Patient Protection and Affordable Care Act (PPACA), also known as Obamacare will go into full effect.  One of these provisions is the requirement that every American have health insurance or pay a fine.  Therefore, it is very important to find health insurance that gives you the coverage you need at a price you can afford.  But how do you do this?  Despite the controversy about the overall cost of the Affordable Care Act, there are some new ways to find affordable health insurance on an individual level.  Here are 4 ways that you can find health insurance that fits your budget and medical needs.

Reformed Group Insurance through an Employer

Obamacare has reformed the group insurance model.  While originally set to be implemented in 2014, the employer mandate to provide health insurance has been postponed until 2015.  Still, once it is put in place, you will be able to find health insurance through your employer that puts limits on what you pay for the plan and what your out of pocket limits will be.

The Affordable Care Act requires that employers with more than 50 full-time employees offer medical insurance to all of their full-time employees.  Full-time is defined as anyone who works at least 30 hours per week.  There are different calculations that go into the full-time definition, but just know that if you average 30 hours per week, you must be offered coverage.

The coverage that you are offered must have at least a 60% actuarial value, meaning that on average, for every dollar that the insurance covers, the insurance plan must pay for at least 60 cents.  One of the ways this is achieved is by limiting the individual’s out of pocket maximum.  In 2014, the limit is $6,350 and includes deductible, coinsurance, and copays.

Also, the employer cannot make an employee pay more than 9.5% of their salary to participate in the plan.  If you make $2,000 per month, the most you can pay for your insurance is $190.  Having said this, there is no cap on the cost of insurance for a dependent.

Still, with these provisions in place, you can find health insurance that is probably cheaper and better than before.

Health Insurance Marketplaces

Obamacare created health insurance marketplaces – originally called exchanges – to help people find health insurance plans quickly and efficiently online.  The marketplaces will make the search for a good plan easier than looking for individual insurance on your own.  Everything will be in one place.

While it will be interesting to see if the actual premiums of the plan are any cheaper than pre-Obamacare, some people will get help paying their premiums by way of tax credits (see here for tax credit eligibility).

If someone can find health insurance and use a tax subsidy, a good plan at a low rate will be available.

Parent’s Plan

The Affordable Care Act requires insurance companies to allow children to enroll in their parent’s insurance plan until age 26.  This is very advantageous because many times the cost to add a dependent to a plan is lower than the cost of an individual plan.  In fact, many times a new dependent can be added at no cost since some plans have one premium rate for all children on a plan.  In that case, someone under age 26 can effectively find health insurance that is free.

Medicaid

When Obamacare was passed, it required Medicaid to be expanded in every state.  This expansion will make it easier for adults to find health insurance through this government program.  The Supreme Court took away the requirement, and as a result, many states will not be expanding this coverage.

However, if you live in a state that is expanding Medicaid, check to see if you are eligible for this low cost way to care for medical needs.

Find Health Insurance at an Affordable Rate

When you try to find health insurance at an affordable rate, make sure to be patient and look at all your options.  Good coverage at a reasonable price is available.

Read More