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Dental Plans and Quotes

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Use our simple application to get real time quotes on dental coverage from multiple carriers. Compare rates and providers quickly and easily by starting at the link at the bottom, but,…….You Must Read This First – It could save you thousands of dollars!!!

Which Dental Plan to Choose: Dental Insurance or a Discount Dental Plan???

What is a dental discount plan? A dental discount plan is a dental plan offered by dentists who wish to offer their patients (who are members of this discount plan) a discount for their dental services.

Why would a dentist offer dental services at a discount? If a dental practice has times during their hours of operation where there are empty dental chairs then they are not maximizing their income potential. If a dental office is utilizing only 60% of their maximum capacity then they could grow another 40% to get to maximum capacity therefore allowing them to earn more money. How can a dentist solve this problem? A dentist can offer a discount on their dental services enticing potential patients to come in and have dental work done. By offering services at a discount, a dentist can get their dental practice closer to maximizing their income earnings.

How can a dentist offer a discount on services and still make an income? There is no paperwork, no billing to send out, no extra staff or extra hours to pay for office employees to handle claims and administration.

What’s in it for the Plan Discount Carriers? They solicit the dentists to sign on and agree to provide discount services. They in turn establish relationships with insurance agents and brokers to distribute their discount plans to potential customers. The customers pay the annual fee to the discount program and the Discount Plan Carriers make money. It’s a win-win-win for the Dentists, the Discount Plan Carriers and the dental patients.

Why would a patient prefer a discount dental plan over a dental discount plan? There are several reasons.

1. A discount plan has no claims forms or paperwork to keep up with. The member simply shows their discount plan card at the window after the appointment and the dental service provided is automatically discounted at a pre-set amount already agreed to by the discount plan and the dentist.

2. There is no waiting period when someone signs up for a discount plan. The new member can receive service almost immediately (within 3 business days) when they become a member. The minimum time frame from filling the application to having the plans effective date is the first day of the following month, although most dental insurance plans have a waiting period from 6 to 18 months before a member can receive certain services. If you have a bad tooth ache that’s a long time to wait!

3. The premium on a dental insurance plan can be anywhere from 2 to 10 times more expensive than a dental discount plan.

4. Dental insurance typically has a deductible you must pay before coverage begins on certain services. A dental discount plan has no deductible at all.

5. Dental insurance caps the total benefit paid out per person per year. Once you reach the cap, all of the rest of your dental expenses are paid on your own dime without any help. Dental discount plans have no cap or maximum amount of services you can receive.

6. Many discount plans offer other benefits such as vision, hearing, prescription benefits and other discounts as well. Dental insurance typically has no other benefit associated

with membership.

7. Dental insurance does not help pay for cosmetic dentistry unlike most dental discount plans.

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Choosing a Long Term Care Insurance Carrier

There are several key considerations in choosing a Long Term Care Insurance carrier.

Financial Strength. All insurance companies have been rated by one or more financial rating agency. Rating agencies like A.M. Best among others rate the financial condition of a carrier and issue a rating. The higher the grade the better the perceived financial stability of the insurance company.

Premium or Cost. The cost of a policy will be a factor when it comes to determining whether or not you should purchase a long term care insurance policy. It is important to make sure that before you decide to purchase the least expensive policy you understand what you are buying.

Partnership for Long Term Care. A number of states have adopted a long term care insurance partnership program. This is a private/public alliance amongst state governments and insurance companies to provide a way for Medicaid to work with private long term care insurance companies. For more information click here: Partnership.

Rate History. It is important to know how often and by how much an insurance carrier has increased the premiums in the past on their LTC policies. Also insurance companies may increase the premiums based on approval from the state insurance department.

Policy Features and Benefits. The features and benefits available from a long term care insurance policy not only vary by company, but by product. A few of these features and benefits include premium discounts, shared benefits, cash benefits, and return of premium.

“Hey!!! Don’t even think about putting me in a nursing home!!!”

Stay out of the Nursing Home Insurance!

When I speak to folks about LTCi I often get a response like, “I don’t want to think about nursing homes…why do you want to talk about putting me in a nursing home?” I respond with, “I’m not wanting to put you in the nursing home…in fact, I want to talk about keeping you OUT of the nursing home. Now how does that sound? Well, now you have my attention!” And so the conversation carries on.

Here are some facts to consider. Of those who have Long Term Care Insurance (LTCi) only 9% will pass away in a nursing home facility. Why is that? If you have LTCi you have options. Almost all of the plans today include provisions for home health care. Let’s face it, seniors want to be independent and maintain control in their lives for as long as possible. Aging in your own home brings a sense of peace,  comfort and happiness especially if you’ve lived in the same house for a long time.

Another feature that LTCi policies have today is the ability to take out small amounts of cash to pay for certain services as you need them. As you age many times your loss of good health is gradual over a period of time. For example, perhaps you find it increasingly more difficult to mow the lawn and do the cooking. You could hire the teenager down the street to mow your lawn and find someone from a local church or a catering company that delivers home cooked, pre-made meals that can be warmed in the microwave. How much would that cost? Maybe $500 or $600 per month. You could draw that amount out each month and continue in that condition for a while.

Finally, a number of policies today have a provision that will allow you to share your benefit with your spouse. For example, you and your spouse purchase LTCi and sometime later one of you is diagnosed with Alzheimer’s Disease in which you could start using your coverage little by little. If the Alzheimer’s Disease lasts 5 or 10 years or more you could very easily run out of coverage on the disabled spouse. With the shared benefit feature the other spouse can share their coverage allowing you more options on your LTC decisions.

LTCi should be more aptly named, “Stay out of the nursing home insurance.” Facing old age and the likelihood of becoming medically dependent on others can be a horrifying prospect without having a safety net backing you as you age. Do not wait…call or email today to have a conversation with me about LTCi.

Cigna Study Shows Consumer-Driven Health Plans Can Save

Cigna Study Shows Consumer-Driven Health Plans Can Save $9,700 Per Employee Over Five Years
FEBRUARY 16, 2012

CDHP customers lowered their costs, improved their health profile, were more informed and engaged in health care choices, participated in health improvement programs, chose generic medications and avoided unnecessary trips to the ER.

BLOOMFIELD, Conn.–(BUSINESS WIRE)–When American workers engage in health-smart habits offered in consumer-driven health plans (CDHP), they reduced their health risks and lower their total medical costs an average of $9,700 per employee over a five-year period, according to a recent study of health care claims representing 1.1 million Cigna customers in consumer-driven health plans, PPOs and HMOs.

“The data once again shows that the combination of incentives, easy-to-engage health programs, and consumer decision support tools can improve health while reducing costs.”

The Sixth Annual Cigna Choice Fund Experience Study, released today, shows individuals enrolled in Cigna Choice Fund®, Cigna’s consumer-driven health plan, lowered their costs without compromising care by becoming more engaged, informed and active health care consumers. Cigna’s CDHP pairs a qualified medical plan with a Health Savings Account (HSA) or Health Reimbursement Account (HRA). According to the study, when compared to customers in traditional PPO and HMO plans, those in a CDHP:

Lowered their health risks: Cigna CDHP customers lowered their risk of developing or worsening a chronic condition. According to the study, when employers fully transitioned to offering only a CDHP option, individuals improved their health risk profile by 10 percent in the first year compared to customers in a traditional plan option.

Reduced total medical costs: Cigna CDHP medical cost trend was 16 percent lower than traditional plans during the first year. Over five years, cumulative cost savings averaged $9,700 per employee enrolled in a Cigna CDHP compared to employees who remained in a traditional health plan. Cost reductions were achieved without employers shifting out-of-pocket health expenses to their employees.

Received higher levels of care: Cigna CDHP customers had consistent or higher use of over 400 evidenced-based medical best practices (than their counterparts in traditional plans. Cigna CDHP customers also sought preventive care, such as annual office visits and mammograms, more frequently than customers enrolled in a traditional plan.

Were more engaged in health improvement: Through proper plan design plan and the use of incentives, Cigna CDHP customers were more likely to have completed a health risk assessment and participated in the Cigna Health Advisor® health coaching program than those enrolled in a traditional plan.

Were more savvy consumers of health care: Cigna CDHP customers enrolled in Cigna Pharmacy Management® were more likely to choose generic medications and had 14 percent lower pharmacy costs compared to those in a traditional plan. In addition, CDHP customers used the emergency room at a 13 percent lower rate than individuals enrolled in HMO and PPO plans.

More likely to compare cost and quality: Cigna CDHP customers were twice as likely to use myCigna.com online cost and quality information to help them select a doctor or to review potential medical costs than customers enrolled in traditional plans.

“Each year the evidence increasingly shows that properly designed consumer-driven health plans can lower health risks, reduce medical costs and drive engagement,” said Cigna Chief Medical Officer, Dr. Alan Muney. “The data once again shows that the combination of incentives, easy-to-engage health programs, and consumer decision support tools can improve health while reducing costs.”

Cigna continues to improve its CDHP offering, including enhancing its online and mobile information. For example, Choice Fund customers can use their web-enabled mobile phone to look-up what expenses may be paid via their HRA and Flexible Spending Account (FSA) funds, compare drug costs and find a doctor or facility. In addition, Cigna’s new online bill pay feature, MyClaimPay, gives customers a convenient way to pay health care professionals directly from HRA and FSA funds on mycigna.com.

Joe Mondy
Cigna Corporation