Importance of Dental Care

Normally, people visit the dentist twice per year for two dental cleanings plus x-rays during one of those cleanings. It’s completely common for people to visit their dentist more than twice a year if they have any dental issues that need to be resolved. Cleanings at the dentist are simple but necessary processes that shouldn’t be skipped out on for any reason whatsoever. Not only do visits to the dentist keep a person’s teeth clean, they also allow a dentist to detect any problems with one’s teeth and to fix such issues promptly.

The actual process of cleaning teeth is very simple. After a short (sometimes long) wait in the office, you get sent into the actual area where dental procedures are performed. An assistant sits you down and takes your x-rays, if necessary. Otherwise, they’ll jump right into cleaning your teeth with various tools. They’ll look for any sensitive areas on your teeth or any buildup of plaque or calcium deposits. If you so desire, you can receive fluoride to help maintain the enamel in your teeth. That is the basics for a dental cleaning.

But there are more important reasons for a cleaning and checkup of your teeth. Visits to the dentist are a preventative measure against various dental problems that can arise. Plaque and calcium buildup, gingivitis, and cavities are just some of the problems that can be prevented with regular dental cleanings. Hundreds of thousands of people do not receive regular checkups by a dentist and suffer from tons of problems with their teeth and mouth. During a cleaning, a dentist can find any problems that may exist in a person’s teeth. After that, they can resolve the issue accordingly with surgery or through other means. Either way, the patient will get the treatment they need to keep their teeth clean and healthy and free of problems.

A simple process, dental cleanings are necessary on a regular basis to prevent problems and to keep teeth as clean as possible. During a cleaning, a dentist can suggest that a patient brush more or better or use a certain type of brush or toothpaste. These visits serve to prevent problems that could arise months from now or even years from now. A little visit to the dentist goes a long way in maintaining one’s overall health. Dental cleanings cannot be ignored for any reason and there is no excuse to not go to the dentist.

You Can Find Affordable Health Insurance Online If You Know How to Look

Are you looking for affordable health insurance for you or the family? It is quite easy to shop online and find multiple health insurance plans if you know how to look.

My recommendation is to find an Independent Health Insurance Agency that offers both online quoting as well as an actually insurance agency in your area or region of the country. These are the agencies of the future because they provide the ease of online quoting, online documents, as well as local agents to help with questions and concerns. The key is the ability of these agency to have online quoting tools so you can compare many different plans side-by-side.

Be careful however, many online health insurance quoting companies are not actually insurance agents. These companies sell or rent your information to multiple health insurance agents and you could receive as many as 10 different calls from agents across the country. So, when looking online simply ask if your information is kept secure or if it is sold. You can often find this information within a company’s privacy statement provided with reputable websites. It is also helpful if your new agency is a member of the Better Business Bureau as a reliable consumer accredited business.

Now that you have qualified the online health insurance provider you can begin your search for coverage. Many agencies now work in multiple states but as I mentioned good software that will compare multiple health insurance plans is your key to success. Get a quote online by entering general information about you and those looking for coverage, this will include your birthday, zip code, as well as height and weights. Now you can review multiple health insurance plans online directly from many different insurance companies.

One important point about independent insurance agents and something most people don’t realize, is that all insurance pricing is provided directly from the insurance companies to all independent agents. There is no mark-up when working with an agent but they can recommend the best health, dental, or vision plan for your specific needs. So, take the time to speak with an agent when you have questions or concerns. They are very well informed and can advise you on health plan selections.

If you do find the health plan that fits your needs online you can choose to purchase your health plan directly from the insurance company by clicking the “apply” button provided with your quotes. All information is secure and quite easy to complete online. The insurance provider and your independent agent will then contact you to help with the process and answer any concerns you may have.

Independent insurance agents can also make recommendations for you as your needs change. Your agent will offer friendly professional advice and will help you find affordable coverage that fits your needs and budget. By working with multiple insurance companies your new agent can provide you with the information necessary to make an informed decision about your coverage.

One thing for certain, the health insurance industry is changing and it is important that you work with a professional and experienced Independent Agency. The only constant in this industry is change and a good agent needs to understand the recent changes as well as what to expect in the near future. Your agency and agent needs to specialize in health products to keep pace with this quickly changing environment; otherwise you may make the wrong decision about your health coverage.

All About Affordable Health Insurance Plans

While consumers search for affordable health insurance, they have price in their mind as the top priority. A general conception among the consumers is that cheap health plans should not be costly-the cheapest health plan available in the market is their target. However, this approach is not good. Sometimes, paying for a cheap health insurance plan but still not getting the required level of coverage results only in wastage of money.

With the implementation of the affordable care act, the reach of affordable health plans is set to increase. Or at least, this is what is believed to be the objective of healthcare reforms. However, lots of consumers are still in confusion about how things would work. In this article, we will discuss some detailed options that consumers can try while looking to buy affordable health plans.

To get a hand on affordable health insurance plans, consumers need to take of certain things. First among them is about knowing the options in the particular state of the residence. There are lots of state and federal government-run programs that could be suitable for consumers. Knowing the options is pretty important. Next would be to understand the terms and conditions of all the programs and check the eligibility criteria for each one of them. Further, consumers should know their rights after the implementation of healthcare reforms, and something within a few days, they may qualify for a particular program or could be allowed to avail a particular health insurance plan. If consumers take care of these steps, there is no reason why consumers can’t land on an affordable health plan that could cater to the medical care needs.

Let’s discuss some options related to affordable health insurance plans state-wise:

State-run affordable health insurance programs in California

While considering California, there are three affordable health insurance plans that are run by the state government. Consumers can surely get benefitted by these if they are eligible for the benefits.

• Major Risk Medical Insurance Program (MRMIP)

This program is a very handy one offering limited health benefits to California residents. If consumers are unable to purchase health plans due to a preexisting medical condition, they can see if they qualify for this program and get benefits.

• Healthy Families Program

Healthy Families Program offers Californians with low cost health, dental, and vision coverage. This is mainly geared to children whose parents earn too much to qualify for public assistance. This program is administered by MRMIP.

• Access for Infants and Mothers Program (AIM)

Access for Infants and Mothers Program provides prenatal and preventive care for pregnant women having low income in California. It is administered by a five-person board that has established a comprehensive benefits package that includes both inpatient and outpatient care for program enrollees.

Some facts about affordable health insurance in Florida

While talking about affordable health insurance options in Florida, consumers can think about below mentioned options:

• Floridians who lost employer’s group health insurance may qualify for COBRA continuation coverage in Florida. At the same time, Floridians, who lost group health insurance due to involuntary termination of employment occurring between September 1, 2008 and December 31, 2009 may qualify for a federal tax credit. This credit helps in paying COBRA or state continuation coverage premiums for up to nine months.

• Floridians who had been uninsured for 6 months may be eligible to buy a limited health benefit plan through Cover Florida.

• Florida Medicaid program can be tried by Floridians having low or modest household income. Through this program, pregnant women, families with children, medically needy, elderly, and disabled individuals may get help.

• Florida KidCare program can help the Floridian children under the age of 19 years and not eligible for Medicaid and currently uninsured or underinsured.

• A federal tax credit to help pay for new health coverage to Floridians who lost their health coverage but are receiving benefits from the Trade Adjustment Assistance (TAA) Program. This credit is called the Health Coverage Tax Credit (HCTC). At the same time, Floridians who are retirees and are aged 55-65 and are receiving pension benefits from Pension Benefit Guarantee Corporation (PBGC), may qualify for the HCTC.

Some facts about affordable health insurance in Virginia

While talking about affordable health insurance options in Virginia, consumers need to consider their rights:

• Virginians who lost their employer’s group health insurance may apply for COBRA or state continuation coverage in Virginia.

• Virginians must note that they have the right to buy individual health plans from either Anthem Blue Cross Blue Shield or CareFirst Blue Cross Blue Shield.

• Virginia Medicaid program helps Virginians having low or modest household income may qualify for free or subsidized health coverage. Through this program, pregnant women, families with children, and elderly and disabled individuals are helped.

• Family Access to Medical Insurance Security (FAMIS) helps Virginian children under the age of 18 years having no health insurance.

• In Virginia, the Every Woman’s Life Program offers free breast and cervical cancer screening. Through this program, if women are diagnosed with cancer, they may be eligible for treatment through the Virginia Medicaid Program.

Some facts about affordable health insurance in Texas

While talking about affordable health insurance options in Texas, consumers need to consider their rights:

• Texans who have group insurance in Texas cannot be denied or limited in terms of coverage, nor can be required to pay more, because of the health status. Further, Texans having group health insurance can’t have exclusion of pre-existing conditions.

• In Texas, insurers cannot drop Texans off coverage when they get sick. At the same time, Texans who lost their group health insurance but are HIPAA eligible may apply for COBRA or state continuation coverage in Texas.

• Texas Medicaid program helps Texans having low or modest household income may qualify for free or subsidized health coverage. Through this program, pregnant women, families with children, elderly and disabled individuals are helped. At the same time, if a woman is diagnosed with breast or cervical cancer, she may be eligible for medical care through Medicaid.

• The Texas Children’s Health Insurance Program (CHIP) offers subsidized health coverage for certain uninsured children. Further children in Texas can stay in their parent’s health insurance policy as dependents till the age of 26 years. This clause has been implemented by the healthcare reforms.

• The Texas Breast and Cervical Cancer Control program offers free cancer screening for qualified residents. If a woman is diagnosed with breast or cervical cancer through this program, she may qualify for medical care through Medicaid.

Like this, consumers need to consider state-wise options when they search for affordable health coverage. It goes without saying that shopping around and getting oneself well-equipped with necessary information is pretty much important to make sure consumers have the right kind of health plans.

5 Ways to Save Money on Health Insurance For the Self Employed

As companies cut their budgets and shrink their workforces, more people are considering freelance work and self-employment as a career option. Taking this route offers many rewards, but also challenges, since self-employment means you (rather than your employer) will need to cover all the financial aspects of running a business. This can include office and work space, marketing expenses, and supplies, but as an individual one huge expense you may not have been exposed to before is that you will be in a position to need to pay for your own health insurance.

Health insurance costs are high for individuals, and while COBRA (government-mandated health care legislation which allows individuals to retain the care their employers provided at basic rates) are certainly open to those who are downsized or leave their employers under certain circumstances, this massive expense can be stifling, so here are five ways to save money on health insurance for the self-employed:

1. Freelancers can go to the fastgrowing Freelancer’s Union to investigate costs of benefits like health insurance, as well as retirement savings, vision and dental plans, and even just to connect. In New York, the Freelancer’s Union offers a variety of plans with monthly premiums as low as $159 per month – on par with what many pay for COBRA coverage on the least expensive plans! Keep in mind that if you anticipate medical costs, a low monthly premium may carry with it a high deductible, and so in the long run you may be better off paying more per month to avoid paying as much if you wind up in the hospital.

2. Shop around. Just because your old company’s insurance is what you’re used to doesn’t mean there aren’t better and cheaper plans for individuals at other health insurance companies. Websites such as let you search for coverage based on physical factors and geographical location, and offer comparisons across a number of health insurance providers.

3. Be aware of what doctors and hospitals are in (and out) of health insurance provider’s networks. Saving money is great, but if it means giving up doctors you’ve had for years you may want to weigh the benefits of getting to know – and getting known by – a new set of medical professionals.

4. Bundle your insurances. If you’re able to find a health insurance broker who sells policies for health, dental, vision, life, and disability insurance (and maybe even 401(k) plans) you may be able to get a better rate on each individual policy by selecting two or more. While it’s not always less expensive to go through a broker, sometimes this method can save in the long run.

5. Only get the insurance you need. Be aware of your month to month medical costs, and if you find that you regularly spend a certain amount, find the plan that offers that amount of coverage – and don’t go higher just because you want to look out for what happens ‘just in case’ of an accident. Anything can happen at any time, so make sure emergency coverage is good, but be sensible about what kinds of coverage you are actually likely to use.

Anthem Tonik Health Plans

You are healthy, but life is unpredictable.  All it takes is one slip, one fall, one illness, and the financial pain can outweigh the physical pain.  Whether you are hurt on the ski slopes, or are diagnosed with a major illness, Anthem Tonik plans are here to help.

There are three affordable Anthem Tonik plans available:  The $1,500 deductible plan which is called the Calculated Risk Taker.  The $3,000 Part Time Daredevil and the $5,000 Thrill Seeker plan.  All plans include 100% coverage for all approved care costs after the annual deductible is met.  All have four office visit co-pays for doctor visits, and do not forget they also include a $10 co-pay for generic drugs.

All Tonik plans include health, dental and vision coverage all in one affordable package.

Getting hurt without coverage will definitely hurt your financial future.

  • The average cost of a day in the hospital is $9,989.
  • Torn knee ligament including surgery and care with two days in the hospital: $47,673.
  • Burst appendix with care and surgery for appendicitis with five days of hospitalization: $46,525.
  • Badly broken ankle.  Compound fracture of the tibia and fibula with seven days in the hospital: $101,790.
  • You need to be flown to the hospital:  Air ambulance: $12,530.
  • Head injury.  Skull fracture with intra-cerebral hemorrhage: $291,305.

As you can see by the figures above, you do not want to go without health insurance coverage, even if it is a high deductible plan.

Anthem Tonik health plans are available in California, Colorado, Connecticut, Georgia, New Hampshire and Nevada.

Anthem Tonik is for anyone!  Although the Tonik plans are marketed to the younger age groups, any healthy person under age 65 can apply for coverage and enjoy the rich benefits the Tonik plans have to offer.

  • Pay month to month by credit card or checking account so you do not have to worry about not paying the bill and lapsing coverage.
  • No long term contracts, month to month.
  • No broker or application fees.  Just the monthly premium.
  • Call an Anthem authorized agent today for complete details and a custom quote.

Tonik includes: Health, Dental and Vision coverage.

  • 100% coverage after the annual deductible.
  • Annual physical, pap and mammogram.
  • Office visit co-pays for office visits before the annual deductible.
  • Easy on-line application or paper application for your convenience.
  • A physical exam is not necessary to apply.
  • Application decision process is usually within 72 hours.
  • Contact an Anthem authorized agent today for more information regarding these great plans.

What doctors can you see?  The Tonik plan is an Anthem PPO  plan which means you can see any physician, specialist or hospital within the Anthem network of providers.  You do not need a referral to see a specialist.