Simplified Insurance Solutions, LLC Blog
Sight is one of the essential human senses and caring for it is as vital as caring for your overall health. However, the question is, is vision care insurance as important as health insurance?
Vision care insurance is available as a group benefit from an employer or can be purchased as an individual policy. In this article, we will tackle the things you should know about vision insurance.
Dental insurance costs less in premiums compared to health insurance. However, most health insurance has policies that cover a considerable amount of expenses if you have paid your deductible. On the other hand, the coverage of dental insurance has an annual limit from $1000 to $5000 with $50 to $100 deductible.
While plans cover only 50% of the cost for root canals, crowns, and gum-disease treatment done by in-network dentists, it pays 80%-100% for x-rays, exams, and cleanings. Meanwhile, it does not pay for some procedures like cosmetic dentistry and orthodontia.
Cost limitations cause people to delay their needed procedures although they have dental insurance. Some, on the other hand, neglect care because the procedure is not covered by their insurance, while the others have already maxed out their annual coverage, survey says.
Below are some valuable tips when buying dental insurance:
Medicare has four essential parts, which are the Medicare A, B, C and D. Medicare A and B are the original Medicare which offers coverage for hospital care, doctors and such. While Part D covers prescribed drugs. Medicare Supplement Insurance Plan is one of those two ways to protect against significant illnesses or accidents; the other one is the Medicare Advantage.
The Medical Supplement Insurance, also called Medigap, helps to cover expensive hospital bills as well as the additional payment the people who buy traditional Medicare might pay. In exchange for that, Medigap charges a premium, in addition to what people already pay for the three other Medicare parts. As to that, Medigap has ten plans; which are Plans A to N.
Here are tips on how to get the right Medigap Plan for you.
There are four basic parts of Medical Care, and they are Parts A, B, C, and D. Parts A, B, and D covers doctors, hospital care, equipment, medical procedures, and prescription drugs. While C also divides into two categories; which are the Medicare Advantage Plan and the Medicare Supplement Insurance (also known as Medigap). Both types have their coverage, and you should be mindful on what you are going to choose.
Here are what you should consider in choosing Medicare Advantage Plan over Medigap.