Dental Insurance and Individual Health Plans

One could rarely find and buy individual health plans that also cover dental care. There is useful information that people should know especially if they consider buying the policies separately.

It is estimated that about 45 million Americans currently do not own any dental insurance policy. Most non-elderly citizens who own individual health plans also own dental care policies. However, majority of people who buy health insurance plans on their own do not have dental insurance. This data is according to a report released by Centers for Disease Control and Prevention.

While individual health plans cover several added services like basic emergency care as well as costs of prescription drugs, they logically are not required to include coverage for adult oral care. However, for health care insurance policies for children, dental services are required.

In March 2010, reforms to the healthcare insurance were set. However, despite the push exerted by many advocates, that bill did not include a wider dental component. Supporters and proponents of the reform argued that individual health plans already cover costs for other pressing health conditions like diabetes and heart diseases.

About 75% of 172 million Americans under the age of 65 years (who own private health insurance policies) have dental insurance plans as well. Their employers mostly provide the health insurances. Among those with separate dental coverage, more than a quarter of them have comprehensive plans with dental insurance while a quarter have stand-alone plans. Some have both.

About 90 million American citizens own individual health plans through Medicaid and Medicare, which both do not offer dental care plans for adults. There is no figure available pertaining to public health insurance plans. Medicaid shoulders dental care for people under 21 years old. The insurer currently serves up to 45 million people belonging to the low-income group. However, such patients complain about troubles in finding accredited dentists.

A separate government-sponsored program provides dental care, albeit limited. It is the Children’s Health Insurance Program. As for the older people, they could always opt to purchase separate dental care policies from health insurers.

Do you look for health insurers that also offer dental care plans? Data from the Association for Health Insurance Plans reveal that there are only a few insurers that do so. Those include Cigna Corp, Aetna Inc, Assurant Inc, Humana Inc, and UnitedHealth Group Inc. The association represents up to 80 of overall dental insurance plans in the US. There are also health insurance plans that offer dental coverage as part of health policies. They include several and specific plans from MetLife, Principal Financial Group Inc, and Blue Cross Blue Shield Association.

Experts advise people to buy dental care insurance policies even if they already own individual healthcare plans. Purchasing separate plans is more advisable especially because it would be very hard, if not impossible, to find and buy health insurance policies that also include dental coverage.

Best Health Plans – What You Need to Know

Choosing the best health plans can be a confusing experience these days. There is a plethora of quality health plans available for just about every set of circumstances and budget. The key to determining which plan is best for you and your family is to know the various parameters of insurance plans and understand how those parameters apply to your set of circumstances.

There are three primary factors to consider when selecting a health insurance plan:

1. What is the total out of pocket cost per year going to be? This includes a combination of the monthly premiums, doctor visit co-pays, hospital visit co-pays, prescription drug costs, and last but not least, the annual deductible.

2. Which doctors and hospitals are accessible through the plan? Some plans require that you see only doctors in that plan’s network (except for emergencies); other plans allow you to visit any doctor you choose, however, the co-pays on this type of plan are generally higher.

3. What is the reputation of the health plan based on user feedback? This includes the quality of care provided at in-network facilities and also the efficiency of the payment system (you don’t want to be getting bills for incurred costs that should be covered by your insurance).

The most efficient way to compare health plans directly is by utilizing an online comparative service.

The topic of health insurance is probably not a topic that comes up very often for the majority of the adult population who are employed by companies that provide benefits. It becomes a very important and urgent topic if you lose your job and have only a few weeks to decide whether to continue your insurance through your employer (COBRA) or to seek less expensive coverage on your own.

With the economy being as bad as it is, there are many people making a go starting their own businesses as well. There are numerous high quality health insurance programs available for self-employed persons and small businesses alike.

One thing is for certain: all health plans are not created equal, and the quality of your health plan can have a huge impact on the quality of your life; so choose wisely.

This article was written by the owner of Best Health Plans, an organization dedicated to helping individuals, families, and small businesses find the best health insurance plan for their needs.

Real Ways To Make Money From Home For Free

In today’s tough economy, more and more people are looking for a way to make a few extra bucks. The problem is that many of the things they stumble upon are often scams.

When someone comes across a few scams, their level of confidence often goes into the toilet. They feel that every opportunity is a scam because so many of them have turned out to be. So, if you have been scammed, please know that you are not alone and it is not your fault. Now, if you are looking for real ways to make money from home for free, you are in the right place at the right time. I know you may have heard that before. I really mean it though. I have been involved in making money online for many years. I have done everything from typing to working as a virtual assistant to making phone calls to building my own websites. Trust me, you can make a living online doing what you love to do.

The problem as I see it is that no one has taken you by the hand and shown you the roadmap of real ways to make money from home for free. I know because I have looked for that magic bullet myself to no avail. However, I have put together a few roadmaps in my day and I know that there are places when you can do just that, make money from home. Yes, you can do it for free sometimes. Often it could cost you just a small amount of money. For example, to host your own website or online business you may have to pay for a domain name and hosting. This cost is around $15 a month or so. I would say that it is well worth an investment of fifteen dollars a month, $180 a year to have your own business online.

I know you want to find real ways to make money from home for free and they are around for sure. You may also want to look into your own website at a point too. Why? Simple… because it is the one thing you have control over. For example, a few years ago people put their stock in a site called Squidoo. This site was amazing and peopleused it and built un incomes around it. One day the owner did away with it. It was taken over by what is now called hub pages. The problem is that HubPages works differently than Squidoo. So everyone who put their eggs in that basket got them all cracked when the website shut down.

If you want real ways to make money from home for free, we can help you with that. Just do some tasks included in one of our guides and at some point, start your own website. Trust us on this one. We have been around the block a few times and want to save you the headache of trial and error and being scammed. We don’t want to promote items that are going to sell for a few days and not make you any money or help you learn new skills. We understand the need for everyday people like you and me to be able to support our family with money we make online. What would an extra one hundred dollars a day do for you? I know, it could certainly help. Let’s go even lower, what if you only make $50 or $100 a week online? So what right? Money is money. If you can find real ways to make money from home for free, that would be amazing. Don’t you think? We do.