What's the BEST Dental Plans for Seniors?
Вставка
- Опубліковано 14 лип 2024
- Subscribe to my channel for FREE:
• Welcome to CB Health I...
Timeline:
0:00 Intro
0:25 What's the BEST Dental Plan?
1:04 Original Medicare does not have Dental Coverage
1:26 Buy an Individual Dental Plan - 3 types
1:34 3 types: 1) Dental Discount, 2) Dental PPO, 3) Dental HMO
1:48 What is a Dental Discount?
2:34 What is PPO dental plan?
3:29 What services are covered?
4:20 What is a dental HMO plan?
4:40 No Waiting Period and No Annual Maximums
4:55 You Have to Pick a Dentist in the HMO Network
5:40 Medicare Advantage options for dental
6:08 Cover Preventative and No Waiting Period
6:41 When can I SHOP for Med Adv plan with dental?
7:14 Do any plans Cover Implants?
8:05 Which is the BEST?
8:18 Answer these questions...
8:48 Which plan does YOUR dentist take?
9:00 Best plan if you - finding new dentist.
9:26 Closing
Shop for Medicare Advantage and RX plans in IL on our website:
CB Health Ins Medicare RX and MAPD quote and apply - tinyurl.com/shopRXandMAPD
Visit my website to know more:
www.cbhealthins.com/
The best plan is one that is accepted by your dentist.
Thank you!
Good video and thank you much
@johnboggan4390 Thanks!
I don't have any teeth. I just need dentures or Implants. How can I get help with this? Send me a link to your video on getting other insurance plans to help with Medicare. Awesome video thumbs up. Thank you very much.
@thomastommy1192 thanks. Are you referring to buying individual dental coverage? Maybe you are referring to the other video I did on dental coverage. I think I mention shopping on my website. However, I am only licensed in IL, so I don't think you can enroll in plans if you don't live in IL. Which state to your reside in? Here is the other video and my website. Video "Dental plans for Seniors: ua-cam.com/video/JBLmcfDi6mI/v-deo.html website: www.cbhealthins.com
Can you share the state you live in?
@@cbhealthinsurance3621 I live in Maryland.
Thanks for another informative video! I FINALLY sold my house (although I had to go under the million dollar mark to do it), so I hope to be moving within the next half year or so. I'll almost certainly be getting in touch with you to find an agent in my new state for the Advantage coverage. Cheers!
@mjemigh3304 Hi MJ! You're welcome! thanks for watching!
Under a million? 😂😂😂😂 #firstworldproblems
@mjemigh3304 And CONGRATS on the sale! Woo hoo! Do contact me when you decide where you will land. I will hook you up with an agent that can help in that state. You know how to reach me! 😉
Interesting 🧐😎🤔
Why is implants not covered I have dual insurance Medicare and my state medical.
@feletiaventro5639 While a dental assistant once told me that implants have been around for decades, it is relatively new compared to dentures or dentistry in general. Dentures have been around for Centuries dating back hundreds of years ago, as well as dentistry in general.
A full set of implants is the most expensive option to get teeth. It requires major surgery, going under, having screws drilled into your bone, sometimes bone grafting, a long recovery process where you can't eat solid food for a bit, and the cost can be $50k! Most places want you to pay the whole bill before you even schedule a surgery; of course you can get a loan through them.
Maybe this is why it is not covered by Medicare or many (if any) Medicare Advantage plans.
Right or wrong, medical insurance was always to treat the body, but not the eyes or teeth. For that there was vision and dental insurance. And for many years, I remember when there were few options for individuals to purchase any type of dental coverage.
I know that your mouth and your teeth affect your health, and people would argue this should be covered, but at what cost? Would you be willing to have your Medicare premiums go up to more and how much more.
The concept of insurance is to "Insure against the risk of something happening" and estimating the chance of something happening in order to price the cost of insurance. However, everyone goes to the dentist. (or should) So how so you have an insurance policy cover this? Every other type of insurance is for "in case something happens".
Medicare is struggling with every increasing cost for all types of care. I mentioned this before, but I cover some of the issues of solvency in the History of Medicare Video I did.
I guess the long and the short answer is that this procedure is very expensive and therefore not covered by any type of dental coverage. (Recently some policies have been adding SOME type of coverage, but keep in mind most policies have an annual benefit limit from $1000-3000-5000. In our state, we don't have any plans over $2500 annual benefit. Even if it WAS covered, that barely makes a dent in the $50k, price tag.)
Cathy, you're looking happy and content..as usual. I enjoy your videos. Do you sell dental hmo to someone in a different state?
@im_agine852 It is interesting that you ask... I was thinking: I wonder if someone out of state can use the link on my website? For Humana and other carriers, they require me to be licensed and contracted in those states.
The Dental HMO is with Humana, but you can google it and call them and enroll direct if it is available in your state. I learned Humana offers dental plans in 49 states, but I don't know if they have an HMO in every state. I will be checking on this later this week. In the meantime, you can call them direct at 1-855-863-1404 M-F 8am - 9pm EST.
When I use my link for Humana and put in other states, it will only show a savings plan, not the insurance plans. On my website, I think people can enroll in the the discounted plans from ANY State because this is not insurance; I was on one of these plans years ago and it worked very well for me because my dentist was in the network!
I also have some association plans for people who are self-employed. I believe you have to say you are self-employed, pick a category (can be independent consultant or other) and pay the fee to enroll. If you click the dental link on this page it will take you to these plans: www.cbhealthins.com/insurance-quotes-alternative-options-association-plans-for-small-business
However, some of their plans are not available in every state. For example, the Solstice plan with a $3000 annual max is not available in IL. Others will list the requirements such as:
Dental
Solstice PPO Dental 1500
Solstice a United Healthcare Company
No waiting periods for any services
Issue ages 18-100
Available in 19 states
Preventative, Basic & Major Services
No Referrals
Out-of-Network Coverage
Increasing Cal/Yr. Max. Benefit
Full Coverage from effective date
No benefit reductions
Networks Include:
Solstice PPO
United Concordia
Connection Dental
PPO USA
or this plan:
Dental
Solstice EPO Dental
Solstice a United Healthcare Company
No waiting periods for any services
Issue ages 18-100
Available in 36 States
Cosmetic and Orthodontia Benefits
No Referrals
Preventative, Basic & Major Services
Implant Coverage
Cosmetic dentistry covered
Full Coverage from effective date
No benefit reductions
Network: Solstice S500B
@@cbhealthinsurance3621 look at that..I just turned on YT. Thanks for the info.
@im_agine852 What state do you live in?
@@cbhealthinsurance3621indiana
If planning to get new dentures, be sure to ask if they have a MISSING TOOTH CLAUSE. I needed a new partial, shopped around and paid for 2 years before i was eligible for e new one. But… of course… they would not cover it because I lost a tooth… molar, not related to the partial… MISSING TOOTH CLAUSE. Total rip off and waste of money. Save the premium and pay as you go.
@joymurphy3195 Yikes! that's good to know. Never heard of this. Now I want to check the various policies...
Why do people buy dental insurance? You are always paying more or the same in premiums and co-pays as you receive in benefits.
It's a grift.
@waynedrinnen3297 I tend to agree, especially if you are just getting your routine cleanings covered. For some of us with bad teeth (I have had my share of root canals, caps and crowns), it makes sense, provided your dentist is in the network.
Unfortunately for me, the last 2 dentists I went to do not take ANY insurance that can be purchased on an individual basis.
My husband's dentist is the same - they take NO insurance but have their own 'program' of insurance if you want to buy. The same thing applies here... I feel like this coverage is not giving you more benefit than the premiums you pay, but instead just guaranteeing that the dentist gets paid, whether you use it or not.
But what do I know! Tee hee...🙂
So on PPO plans with a $1000 or $1500 or even I see one with $2500 max is preventive services cost included in that Max. Most plans that I look at don't say
@hogfanboy944e Preventative is usually covered at 100% and not subject to a copayment. The place to find this is the plan summary or summary of benefits. All plans have this, and sometimes you can find it on the carrier website without being a member.
If you are looking at a plan ask the broker or carrier for this summary.
If you are a member, you can get this by calling the carrier. Some companies have online member portals where you have access to many things. Best to call the carrier to find out what is available.
@hogfanboy9443 Let me clarify my reply... I am rereading and realize I might have misunderstood your question at first.
To answer correctly, yes, any benefit that the insurance company pays out for all services counts towards the annual max benefit, including preventative.
Hope this helps!
@@cbhealthinsurance3621 Thanks for the quick response. I'm currently on a group plan with my spouse's employer and it has $1000 year max. But I don't think that includes Cleanings and preventive. The past 2 years I have had my 2 cleaning visits each year Plus, I have had a crown each year (yes that sucks) Insurance paid for about 1/2 of the cost of the crowns ($1000 of about a $2000 cost for each crown) + I had no bill for my cleanings. Maybe group plans are different than individual plans? My wife's plan is not a great plan. Given 2 cleanings and yearly xrays. That can easily be $500 out of the yearly max
So if I have Medicare advantage, cxan I still buy an HMO if my plan has no dental?
@Rossy-tf2jh YES! You can purchase a stand alone HMO Dental plan if on a Med Adv plan. I actually had someone do this! Humana is the one with HMO plans that I know of across the US; while I know they are in 49 states in the US, I don't know if they have an HMO in all states. You can call the toll free # 1-855-863-1404 M-F 8am - 9pm EST and inquire about plans in your area. Good luck to you!
Dental supplies are expensive, and in many cases you're also helping the good doctor pay off his or her student loan.
@@theenglishman8668 I feel like with all my dental work I paid for my dentists kids college! Ha ha! (he was older, had a second wife and younger kids.)
One simple crown costs $4000 now so that’s not a lot of money.
@denisefuentes7905 Is that all? Ha ha! I have had my share of dental woos...I've spent over $15k in caps and crowns and root canals, and the cost is just out of control. Unfortunately, the laws of economics don't see to apply to dental procedures. As procedures advance and become more available, the cost doesn't seem to be going down at all...just keeps going up! (NOTE: An example of supply and demand at work where there was no insurance and people paid full price is for lasik eye surgery; people were paying out of pocket for this corrective surgery, but they did it. And the costs came down from the initial surgeries being multiple thousands per eye to maybe $2k to have both eyes done. I honestly don't know what it costs today, but I do remember when this first happened.)