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Medicare Advantage plans offer all of the benefits covered under Original Medicare and more. And many of those plans include Medicare Part D, which is the prescription drug coverage. Depending upon your immediate residency, there may be several Medicare Advantage plans to choose from including HMO, POS, and PPO.

Medicare Advantage Special Needs Plans provide health care coverage for people with a chronic disease or illness, who live in an institution or who qualify for both Medicare and Medicaid (also referred to as “dual eligible”).

Supplement your Medicare insurance plan affordability through UnitedHealthcare Medicare Solutions for the nation’s largest Medicare Supplement business. These plans provide freedom to select doctors, hospitals, and specialists without the need for referrals. In addition, Medicare Supplement plans offer National coverage. I work for you, not the insurance company.

Medicare Part D plans account for the nation’s largest Part D business and are available in all 50 states and territories. These plans provide a way to add drug coverage to Original Medicare or Medicare Supplement coverage.

HMO Dental Insurance
Because HMO dental insurance plans are consolidated it lets the insurance company dramatically reduce the costs of care. No applicant is denied coverage as long as they live within the service area of that plan. To qualify, you must receive care from a dentist in the HMO network in order for your claims to be paid. If you get care from a dentist who is not in the HMO network you will simply be responsible for paying the entire cost of via care out of pocket.

There are HMO dental plans from several different insurance companies to select from. This particular plan has no deductibles, no annual maximums and no waiting periods. You can either request a quote from this website (Email: doris@deyinsurance.com) , or call me (727-207-3103) so I can make sure an HMO dental plan is the right fit for you and your specific situation.

PPO Dental Insurance
PPO dental plans are very desirable because of their flexibility. PPO networks tend to be larger and they give you more options and more dentists to choose from. All providers in PPO networks must abide by the negotiated rates so you will save money just by using an in-network provider. You can also use out-of-network providers but you will pay higher out-of-pocket costs because those providers are not obligated to give you a discounted rate for the services which they provide.

PPO dental plans usually have a small deductible for basic and/or major care, an annual maximum amount they will cover, and waiting periods for basic and/or major care. There are several different PPO dental plans available, so please feel free to contact me (Email: doris@deyinsurance.com) , or call me (727-207-3103) for more information.

Prepaid Dental Plans
Prepaid dental plans work a lot like the HMO dental plans. They have a more restrictive network of providers to choose from than PPO dental plans and usually are not as comprehensive. Prepaid dental plans are the cheapest dental plans you can find. They have a set schedule of co-pays for every dental procedure which they cover.

Prepaid dental plans usually do not have deductibles, annual maximums or waiting periods. If you are interested in obtaining a prepaid dental plan please contact me for more information. (Email: doris@deyinsurance.com), or call me (727-207-3103)

Vision is usually added to dental plans by most commercial insurance companies at a minimum monthly premium. It covers annual eye exams, prescriptions lenses, contacts, and frames at a discounted rate or a flat rate.

Short-Term Health Insurance/Temporary Health Insurance
Short-Term/Temporary health insurance is a good option if you are just graduating from college, in between jobs, or are waiting for a permanent policy in the underwriting process, or in your waiting period at work before you can access the employer’s group health insurance policy. You may keep a short-term policy on a month to month basis for up to one year in most cases.

You should not go without health insurance for even one day if you care about your finances and your health.

Things you should know about short-term health insurance policies:

  • They do not cover pre-existing conditions. You may not get coverage for your visits to the doctor for your high blood pressure with this type of policy but you will be protected if you have a big hospitalization bill for a fall or sudden illness which can set you back you thousands of dollars.
  • They do not cover most preventive/wellness care. These plans are designed to cover you in case of a catastrophic illness or injury, not to cover all of the smaller expenses.
  • In most cases, I can have a plan in place by 12:01 am the next day after submitting an application.
  • Most plans only offer coverage after you pay your selected deductible, then you will be responsible for paying a percentage of the bill until your out-of-pocket maximum is met. You will receive discounted rates for services received before you deductible is met for using in-network providers. I also now have short-term plans which have co-pays for sick/injury doctor’s office visits.

If you find yourself in a position to need short-term health coverage, please feel free to give me a
call at 727-207-3103 and I will find you the best option at an affordable price.

DEY Insurance Solutions      doris@deyinsurance.com      727-207-3103