Dental/Vision Plans
We can offer dental and vision through employer groups often with a bundled discount if other benefit products are purchased. We can also offer a stand-alone plan for individuals and families.
Dental Plans
You have many options to decide what coverage you need. There are DPPO’s, DHMO’s, Indemnity Plans, and Discount Plans that give you access to specific networks and save you money with negotiated rates. Some plans have waiting periods, while others increase coverage benefits over a 3-yearperiod, have roll-over amounts from year to year, as well as orthodontia or implant benefits. All dental plans have an annual maximum the plan will pay. The higher the maximum benefit, the more the premium
| May Include | DPPO Dental Plan | DHMO Dental Plan | Indemnity Plan | Discount Dental Plan |
|---|---|---|---|---|
| Deductibles | $50/150/ or $200 Ind/Fam/or LifeTime (waived for preventative) | $50/150/ or $200 Ind/Fam/or LifeTime (waived for preventative) | May have a Deductible | None |
| Preventative | Usually 100% Covered if in-Network/80-95% Out-of-Network may Balance bill | Usually No Cost or Small Co-Pay if in-Network/No Out-of-Network Benefits | Pays you a specific amount depending on your benefit level; may pay dentist directly | Simple Fee Schedule ( Savings of 50-70%) if in-Network / No Out-of-Network Benefits |
| Basic Services | Usually 50-80% if in-Network/60-75% Out-of-Network may Balance bill | Usually 50-80% if in-Network / No Out-of-Network Coverage | Pays you a specific amount depending on your benefit level; may pay dentist directly | Simple Fee Schedule ( Savings of 50-70%) if in-Network / No Out-of-Network Benefits |
| Major Services | Usually 50% if in-Network/30-45% Out-of-Network may Balance bill | Usually 50% if in-Network/ / No Out-of-Network Coverage | Pays you a specific amount depending on your benefit level; may pay dentist directly | Simple Fee Schedule ( Savings of 50-70%) if in-Network / No Out-of-Network Benefits |
| Benefit Maximum | Usually $1000-$2000 if in-Network / Out-of-Network may Balance bill | Usually $1000-$2000 if In-Network / No Out-of-Network coverage | May be able to purchase a higher Benefit Maximum to cover more dental work | None |
| Waiting Periods | Usually, None for Preventative, 6 mos. Basic/12 mos. Major Waived if coming off other coverage | Usually, None for Preventative, 6 mos. Basic/12 mos. Major Waived if coming off other coverage | Usually, None for Preventative, May have for restorative care 3-12 | None |
Vision Plans
Vision insurance is generally supplemental to other types of medical insurance policies. Stand-alone Vision Plans help offset the costs of routine checkups, frames, lenses and contacts that are prescribed. There are also discounts for other in-network covered services and on lasik at participating providers.
| May include | Vision insurance plan | Vision discount plan | Major Medical plan |
|---|---|---|---|
| Eye Exams | Annual Exam; usually co-pay | Pre-Negotiated Rates or Discounts | Ophthalmology Eye Health Exam |
| Frames | Co-pay / Frequency 12 or 24 mos. | Pre-Negotiated Rates or Discounts | No Benefits |
| Lenses | Co-pay / Frequency 12 | Pre-Negotiated Rates or Discounts | No Benefits |
| Contacts | Co-pay / Frequency 12 | Pre-Negotiated Rates or Discounts | No Benefits |
| Allowance | Usually $130 – $200 annually | Pre-Negotiated Rates or Discounts | No Benefits |
| Waiting Periods | Usually None | None | Usually None |
Dental and Vision Care Riders
Dental and vision care can also be purchased as an add-on, also known as a rider with many health care policies. This is generally less expensive than purchasing a separate dental and vision plan, but may offer slightly less coverage.
Employer groups can offer dental and vision plans along with group life and disability to round out their benefit package for their employees. They can be contributory (employer helps pay some of the cost) or voluntary(employee pays entire cost). When these benefits are bundled together we can typically shop them and get better premiums.
Contact us now to learn more about dental and vision plans available in your area!
Term Life Insurance
Need coverage for specific time frame? Term life helps with short-term debts, added protection during child-raising years and more.
LIFE
INSURANCE
Whole Life Insurance
This permanent policy protects your family’s future while building cash value that grows tax-deferred. Premiums remain level for the life of the policy
Universal Life Insurance
This permanent policy with flexible premium payments and death benefits can help protect your loved ones with building tax-deferred cash value. Can add riders for the living benefits for Cancer, Critical illness, and Specified disease which give access to cash when needed.
Disability Insurance
If you’re suddenly unable to earn a paycheck due to illness or an accident, Short Term Disability insurance can replace a portion of your income during the initial weeks of your disability due to accident or sickness. These can be purchased as an employer benefit package or stand-alone if you are self-employed for two years with steady proven income.
You can also purchase a Long Term Disability Policy that will cover a portion of your income (around 60-70%) when you have become injured or seriously ill. (It is different from worker’s compensation in that is is not for work-related injuries or illnesses). Long Term Disability allows you to know if there is a permanent disability and allows time to apply and get approved for disability benefits which will be paid as income. After 24 months of receiving disability income benefits you may become eligible for under 65 Medicare.
Long Term Care Insurance
Sometimes, due to serious onset of disease or a sudden accident, a person cannot perform Acts of Daily Living (ADL’s), such as bathing, dressing, shopping, cooking, cleaning, toileting, etc. If that were to happen to you, your health insurance is not designed to pay for or take care of such things indefinitely. You may be interested in purchasing a longer lasting plan for your care needs. We have several available. Some can be for home care assistance and others can be more expensive to cover institutional care. Some of the new IUL’s (Indexed Universal Life Insurance Policies) have riders you can purchase to cover in the event of Cancer, Critical Illness, Disability, Long Term Care, or Terminal Illness allowing for access to lump sum cash when you need it by reducing the face amounts of the death benefit.