Health Dental Vision Insurance
health dental vision insurance
AmeriPlan Health & Dental Programs From $19.95/mo
Obtaining health insurance?
I am a 23 year old male & live in IL. I do work, however no insurance is provided or offered through my employer, other than Aflac Supplemental, which I looked over, however none of their plans offered do much good for me, so I did not sign up for any. I have some health problems, some dental problems & vision problems. I do not make much money. I figure I can afford around $25 a month on insurance right now. Is there anywhere I can find health, dental and/or vision insurance that would actually be of assitance to me (meaning desinged as a sole provider insurance & not for supplemental purposes)?
Unfortunately, your going to be out of luck finding medical insurance for $25. Even a high deductible ($5000) health insurance plan is going to cost you $45 – $65 per month without dental and vision coverage and may be more if you have pre-existing health problems. In fact, if your health problems are severe enough you may not be able to get a plan.
You may get answers here for medical discount plans. Be very wary of these plans. The people that sell these plans have little or no knowledge of health insurance and do not need to be licensed. The plans are not regulated by the state so you have little recourse when you have a problem with the plan. If you are tempted by one of these plans get a list of doctors that accept the plan before signing up. Call some of the doctors to verify that they still do take the plan (many will not have heard of the plan and don’t know they’re listed) and if they are accepting new patients. Also, check the application fee. A fee of more than $25 is a good sign that the plan is a scam. Here is a link concerning these plans: http://www.consumerreports.org/cro/consumer-protection/phony-health-insurance-905/overview/index.htm
Dental is a different matter; you have three options with dental.
Insurance – Depending upon the policy: cost $30-$60 per month. $50 deductible, annual maximum of $750 – $1500, waiting period up to 18 months for major work and then you’re paying 50% of the charges. Example – average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage – you can use any dentist with most plans.
Discount plans – Cost – $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example – average cost for a root canal in my area is $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm concerning these plans.
Fee for Service discount plans – Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example – average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404.
I’m an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?locationid=20349 specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
Some of the dental fee for service plans also have vision included. The only way to get cost effective vision coverage is as an add-on to the dental or medical plan.
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It is not a good idea to go without having medical care insurance coverage. Illness can strike at any time and you never know when you may get injured. Acquiring health coverage can become expensive and costs tend to add up quite quickly.
In reality, when there is no health coverage a sudden injury or ailment could clean you out in financial terms. Today’s medical care is so expensive that people need to secure a low-priced health care policy.
You can choose from different firms that provide medical care insurance. They carry several different packages to connect the proper insurance policy with those who need them.
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You save a lot of time and energy when you make use of online health quote sites. It would take hours to go to every single insurance provider’s website and get a quote. Fortunately you can take advantage of free quote websites that assist you in getting quotes from all the different companies in a matter of minutes.
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