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Dental Insurance - Is It Worth It?
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Dental insurance comes in handy when you need major dental treatment, which can be expensive to pay for yourself.

If you have a Medical Advantage, Marketplace or Group plan, you may already have dental insurance built in.  Standalone dental policies are available for people who don’t have access to those types of plans.

Whether dental insurance is worth it depends on how much it costs and what you get from the coverage.  If you typically only need cleanings a couple of times every year, then insurance is not necessarily going to pay for itself.  However, if you have an unexpected major expense such as a root canal or crown you could be looking at a pretty hefty expense without insurance.  And because dental insurance has waiting periods for those types of services, you won’t be able to use it right away for those hefty expenses if you don’t already have it.

This is the way that insurance companies cover dental services:

  • You can start a dental plan at any time of year.  Some plans are effective the next day and others start the 1st of the month following enrollment.

  • Most cover preventive care at 100%, basic services like fillings and simple extractions at 80% and major services at 50%.

  • Many have waiting periods for major services like root canals and crowns from 6 months to a full year, with some offering a small percentage of coverage (10 – 15%) during the waiting period.

  • Some companies will waive the waiting periods for people who have had prior dental coverage in the 63 days
    prior to enrolling.

  • Some cover implants and orthodontics.

  • Maximum benefits vary from $1000/year up to $5000/year.

  • Some have no waiting periods but step up the benefits and coverage over 3 years.

  • Some cover only preventive care with no coverage for major services at all.

  • You can find plans that cover dental, vision and hearing all in one plan.  

Most major carriers have dental plans and here are a few that we represent.  Click on the links below to learn about their plans in your area:

We are always happy to run quotes and explain dental to you!  Give us a call at 800-578-3940 or by email to info@mcginsure.com.

United Healthcare Health Protector Guard 
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This insurance is in a class of products called fixed indemnity or fixed benefit insurance.  This type of plan works well as an add on to your basic health insurance policy and helps cover medical expenses that may not be covered if you have a high deductible type plan, or for those with minimal or no other coverage.

 

The way fixed benefit plans work is that rather than meeting a deductible before the insurance will pay benefits, you are paid a set benefit per hospital or doctor service as specified in the plan.  No deductible or cost sharing first.  You get a specific medical service, and you are then paid the eligible fixed benefit for that service.

    

The fixed benefit payout depends on the level of plan you choose and covers Doctor’s Office and Wellness benefits, prescriptions, and critical medical services.

 

To learn more about the benefits of the United Healthcare Health Protector Guard, click here to view the brochure.

Travel Insurance
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We offer travel insurance underwritten by IMG Global.

 

Travel insurance is a type of insurance coverage designed to protect travelers against potential risks and unexpected events that may occur during their travel outside of their home country. It provides financial reimbursement and assistance for various travel-related issues, such as medical emergencies, trip cancellations or interruptions, lost or delayed baggage, and other unforeseen circumstances. 

Travel insurance policies typically offer different levels of coverage and can be customized based on where you are traveling and for how long, so you are only paying for insurance for the specific time you need it. Here are some common features and benefits of travel insurance: ​

  • Trip Cancellation/Interruption Coverage: This feature reimburses you for non-refundable expenses if you need to cancel or cut short your trip due to covered reasons, such as illness, injury, or the death of a family member. 

  • Emergency Medical Expenses: Travel insurance covers medical expenses incurred during your trip due to illness or injury. It may include hospitalization costs, emergency medical evacuation, and repatriation to your home country for treatment.  

  • Baggage Loss/Delay: If your luggage is lost, stolen, or delayed for a significant period, travel insurance can provide compensation to help you replace essential items or cover the costs of buying new clothes and toiletries. 

  • Travel Delay: If your trip is delayed due to reasons beyond your control, such as severe weather or mechanical issues, travel insurance can reimburse you for additional expenses like accommodation, meals, and transportation. 

  • Personal Liability: This coverage protects you in case you accidentally cause injury to someone else or damage their property during your trip, and legal expenses are incurred. 

  • Emergency Assistance Services: Many travel insurance policies offer 24/7 emergency assistance services. These services can provide you with medical advice, help you locate healthcare providers, arrange emergency medical evacuations, or assist with other travel-related emergencies. 

It's important to note that travel insurance coverage varies depending on the policy and there are several reasonably priced options with IMG Global. Before purchasing travel insurance, we can provide a quote for your specific trip and help you evaluate what level of coverage you need and go over any coverage limits, exclusions, and any pre-existing medical conditions that may affect your coverage. Call us today for a free quote! 

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