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.
ADVANTAGE SPECIAL NEEDS PLANS
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).
MEDICARE SUPPLEMENTAL INSURANCE
Supplement your Medicare insurance plan affordability through
UnitedHealthcare Medicare Solutions for the nations
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.
PART D PRESCRIPTION
Medicare Part D plans account for the nations 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: firstname.lastname@example.org)
, 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
, 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: email@example.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.
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 employers 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
- 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 doctors
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.