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.

Understanding How to Compare Health Plans

Like any other state, there are many health insurance options open to the residents of Virginia. The important question is that if you are not employed or are not covered by your employer, are you in a position to buy a health insurance plan on your own? Or if you an individual and looking for family medical plans in Virginia, are you aware about the type of coverage you need? It is always better to start questioning yourself before you question others about what type of plans are available in Virginia.

To compare health plans in Virginia, one should be quite aware about the types of medical plans available. This could vary from individual health plans, family health insurance plans, group or business health plans, etc. The coverage, premium, deductible and other terms of each of these medical plans could vary from company to company. It is always better to check for exact wording that is written in black and white.

While searching to compare health plans in Virginia, the most important factor for any individual, family or group would be the type of coverage needed. It can be repeated almost 100 times that till you do not know what type of coverage you require, you can’t get the right kind of insurance plan. Due to plethora of medical plans available in Virginia, you are bound to be confused by the terms and conditions written and still not able to know whether you are covered for a particular medical need or not.

While almost all medical plans should provide basic coverage of meeting the healthcare requirements, sometimes individuals or families need speciality check-ups. This is where it becomes necessary to compare plans quite carefully. Baby care, family planning services, emergency services for non-citizens, pharmacy assistance, plans for senior citizens, etc are some of the features you can find in different types of medical plans.

Special features of any medical plan in Virginia can include the following features: adult access to preventive health services, child access to primary are, prenatal and postpartum care, asthma medication management, cardiovascular disease management, common childhood illnesses, diabetes care & management, mental healthcare, etc.

For family health insurance plans in Virginia, one should be very careful while selecting a company. The coverage need should be considered within the family with your spouse and then you should talk to you friends or colleagues who might have availed the insurance earlier. Ask for affordable health insurance plan quotes from insurance agents and compare them. Surfing the internet and asking expert’s advice is also a good option. Though testimonials or customer’s feedback is a good support for company’s credentials, it is better to talk to people in person.

Some medical plans offered in Virginia:

• Virginia Individual health plans
• Virginia dental plans
• Virginia short term medical plans
• Virginia health discount cards
• Virginia HSA
• Virginia group health plans
• Virginia business health plans

Shaun Mike is a widely renowned for his expertise in writing about family medical plans in Virginia. His articles on how to compare health plans in Virginia are read by individuals, families, groups and business owners to make sure they know what to seek while searching for affordable health plans.

Benefits of the One Plan Health Insurance Health Plan

Planning ahead for your future is easier said than done, especially when it comes to making sure that your future health is in good hands, and unfortunately many South Africans believe that proper health care is far out of their reach, and financial bracket.

But worry no more, as One Plan Health Insurance is aiming to prove this perception wrong by offering affordable and comprehensible health care to all South Africans. And with various plans available there is sure to be one to suite your needs and your pocket.

Here is a look at the comprehensive Health Plan from One Plan Health Insurance.

What the One Plan Health Insurance Health Plan Offers You

For only R 245 a month a single member on the One Plan Health Insurance Health Plan will receive R8 210 worth of cover per year. This includes doctor and dentist visits, scripted medication, repeat scripted medication, radiology, pathology and maternity and pre-birth care.

A couple can enjoy all of these benefits for only R 490 and a couple with one child will only have to pay R680 to ensure that their entire family is covered.

Under this plan you will also enjoy great eye care benefits, including a frame, comprehensive eye test and specially cut lenses. You will also enjoy the benefits of the Personal Protection Program, which means that in the case of crime related traumas you will be able to receive telephonic or face to face counselling, trauma related legal assistance and in the case of domestic violence you will have access to shelter facilities.

You will also be covered in the case of accidental exposure to HIV and will be give two free blood tests and 31 days free anti-retroviral or prophylactic treatment. This means that the One Plan Health Insurance Health Plan covers you and your family in the vent of almost any medical issue.

And by using your Onecard you will have your benefits paid directly to your card, where you will be able to use it at any medical facility.

Who Will Benefit from the One Plan Health Insurance Health Plan?

With the very competitive price of the One Plan Health Insurance Health Plan everyone under the age of 65 years will be able to benefit from the cover that it provides.

A value added bonus to all One Plan Health Insurance members is that you will get 24 hour access to their emergency helpline, and in the event of a justifiable emergency the insured member will be transported by ambulance to the nearest medical facility.