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Cigna Flexible Choice Dental, Vision & Hearing

Posted by www.psmbrokerage.com Admin on Tue, Sep 21, 2021 @ 04:57 PM

Tags: dental hearing and vision insurance, Cigna Supplemental

Product Spotlight: Ameritas Dental and Vision Plans

Posted by www.psmbrokerage.com Admin on Thu, Oct 25, 2018 @ 01:28 PM

Ameritas Dental and Vision Plans

PSM Product Spotlight


Need a product that can offer your clients coverage for themselves, as well as their spouse, for a LOWER combined monthly premium than most other carriers offer for an individual plan?

We are excited to offer Ameritas' suite of Individual Dental and Vision Plans to our agents. Ameritas offers you tremendous selling power with one of the nation's largest dental networks, an award-winning customer service team, and a quick and easy enrollment process for your clients. 

PrimeStar Individual Dental Insurance can help keep your smile sparkling, while at the same time, protecting your overall wellness. 

When you become appointed with Ameritas, you’ll receive a unique enrollment hyperlink. With this custom hyperlink you and your clients have 24/7 access to quote and purchase a PrimeStar Insurance Plan. 

Your link has your agent number automatically embedded in it, so you will be credited for any online enrollments that originate from your hyperlink. You can place this link on your agency’s website, email, or text it to your clients for self-enrollment.

Not appointed with Ameritas? We encourage you to learn more and put this in-demand product in your portfolio, request details here


The Ameritas Difference:

With preventive dental services covered at 100% and coverage for major services included, preventive care visits are encouraged, such as an annual exam and cleaning (2 visits per year covered at 100%). This can help minimize the need for more costly procedures in the future. 

You will receive the maximum plan benefits for using an Ameritas dental provider. If you visit a non-network dental provider, the plans reimburse at the 90th percentile of usual & customary prices. 

This means that 9 out of 10 dentists in a given zip code do not charge more than Ameritas’ reimbursement amount, a very rare and generous benefit that minimizes or eliminates balance billing.

Ameritas Dental and Vision Highlights:

  • Next day coverage and no waiting periods for any service

  • Everyday effective dates.

  • Sell Dental and Vision Plans, together or individually.
  • Year 2 benefits start January 1st, regardless of when you got into the plan throughout the year.

  • NO policy fees, same premium for ages 18+.

  • Seamless E-Application process.

  • NO appointment fees.

  • Immediate coverage on preventive services, covering a free exam and cleaning per year.

  • Freedom to use any dentist with the opportunity to use the Ameritas dental network for greater savings.

  • Optional vision coverage Up to $2,000 calendar year maximum benefit.

  • Exciting commissions and advancing for the writing agent.

  • Available for all ages including seniors 65+.

  • Dental Rewards included in all plans – increase your annual maximum by submitting at least one dental claim per year and keeping your total paid claims for the year at or below the Threshold Amount: $250 for Plans 1 and 2; $500 for Plan 3. You will “earn” an Annual Reward – $125 for Plans 1 and 2; $250 for Plan 3 – to carry over toward your annual maximum benefit the next year.

Sell More Using the Ameritas PrimeStar Hyperlink:

  • A one-stop-shop hyperlink for clients to quote and purchase easily online.
  • Opportunity for sales 24/7. Agent is automatically credited on purchases made through their personalized hyperlink.

Why agents love selling Ameritas:

  • Year 2 benefits start January 1st, regardless of when you got into the plan throughout the year. Making this a great product to sell during AEP and offers a unique advantage over the competitors.
  • Ameritas PrimeStar Hyperlink giving you the opportunity for 24/7 sales.
  • Great commissions and support. Ameritas is one of the most agent friendly companies you will find in the market today.

Call now to talk to one of our stellar marketing staff for details on how you can start selling these plans today.

Not appointed with Ameritas? We encourage you to learn more and put this in-demand product in your portfolio, request details here

Additional Updates:

Tags: dental hearing and vision insurance, ameritas, product spotlight, dental plans

CMS Extends Important Relief Opportunity, Creates Permanent Fix for those Affected

Posted by www.psmbrokerage.com Admin on Thu, Oct 04, 2018 @ 04:13 PM

CMS Extends Important Relief Opportunity, Creates Permanent Fix for those Affected

The Centers for Medicare & Medicaid Services (CMS) recently announced a year-long extension, through September 30, 2019, of a critical relief pathway for current and former Marketplace enrollees who mistakenly delayed Medicare enrollment. The agency also agreed to develop a more permanent solution for people who are affected.

Under this policy, people who are eligible for Medicare and have Marketplace coverage can apply to enroll in Medicare Part B without penalty. Those who have already transitioned to Medicare can request that any Part B late enrollment penalties they may have received be reduced or eliminated.

Read More

Additional Updates:

Tags: dental hearing and vision insurance, dental plans

Dental Coverage and the Medicare-Eligible

Posted by www.psmbrokerage.com Admin on Thu, Oct 04, 2018 @ 11:40 AM

Dental Coverage and the Medicare-Eligible

There are 51 million Americans 65+, a number that will increase to more than 68 million in the next decade. One of Medicare’s limitations is dental care, and since only 40% of seniors have their own dental insurance coverage, there’s a sizeable opportunity for insurance agents during AEP:

  • Just 40% of Medicare beneficiaries have dental coverage, so the majority of them must pay for dental services out of their own pocket;
  • Many seniors are unaware of the lack of Medicare’s dental coverage and of specific dental insurance available to seniors;
  • Estimates suggest more than 13 million beneficiaries might purchase new dental insurance, a number that will grow to 17 million by 2027.
View Dental Plans PSM represents

Senior Population and Dental Coverage Forecast


Additional Updates:

Tags: dental hearing and vision insurance, dental plans

Ameritas Dental Plans - Be The Hero During AEP Open Enrollment

Posted by www.psmbrokerage.com Admin on Mon, Oct 01, 2018 @ 03:29 PM

Be the Hero During AEP with
Ameritas Dental Plans


Did you know dental is the largest expense not covered by Medicare? Dental health is imperative, especially as we age. Your clients will thank you for offering PrimeStar dental alongside Medicare. The PSM team is here to support you, save you time, and save your clients money!

Contact us today and learn all about:

  • PrimeStar enhancements
  • the product and enrollment processes
  • 3 simple ways to incorporate and sell dental with Medicare

Sell more using the Ameritas PrimeStar Hyperlink:

  • A one-stop-shop for clients to quote and purchase online
  • Opportunity for sales 24/7
  • Agent is automatically credited on purchases made through their personalized hyperlink

Request Information today on this new and exciting opportunity. Contracting can be done online in just a few minutes!                    

Additional Updates:

Tags: dental hearing and vision insurance, ameritas

Ameritas Dental Plans - The Perfect Sidekick to Your Med Supp Sales

Posted by www.psmbrokerage.com Admin on Wed, Aug 29, 2018 @ 11:11 AM

Offer your clients comprehensive dental plan options at an affordable price.

We are excited to offer Ameritas' suite of Individual Dental Plans. Ameritas offers you tremendous selling power with one of the nation's largest dental networks, an award-winning customer service team and a quick and easy enrollment process for your clients.

Sell more using the Ameritas PrimeStar Hyperlink:

  • A one-stop-shop for clients to quote and purchase online
  • Opportunity for sales 24/7
  • Agent is automatically credited on purchases made through their personalized hyperlink

Request Information today on this new and exciting opportunity. Contracting can be done online in just a few minutes!                    

Additional Updates:
  • Introducing Part D Plans from Mutual of Omaha - View
  • Increase your AEP sales with local market reps - View
  • Cigna shareholders approve Express Scripts merger - View
  • Update: Non-Commissionable plans released by UnitedHealthcare - View
  • Follow us on LinkedIn and keep your business informed - View
  • Increase your sales with our complimentary tools and tech - View
  • Express: Mutual of Omaha weekly updates - View
  • VALUES Quote of the Week - View
  • Current agent incentive trips and contests - View

Medicare Advantage / AEP Updates:

  • Your path to AEP success with Precision Senior Marketing - View
  • Enroll your MA and PDP clients online - at no cost to you - View
  • 2019 Medicare Advantage / Part D Certifications now available - View
  • 2019 Medicare Advantage First Looks now available - View
  • 2019 AEP Road Map - Start your planning today - View
  • The DSNP Market continues to grow. Are you missing out? - View

Tags: dental hearing and vision insurance, ameritas

Why You Should Be Selling Dental Insurance

Posted by www.psmbrokerage.com Admin on Wed, Mar 21, 2018 @ 12:51 PM

Why You Should Be Selling Dental Insurance.pngMedicare Still Doesn't Cover Dental Care. And That Can Be a Big Problem.

This is a good read on the lack of dental coverage provided by Medicare and the important role of a insurance agent to help keep beneficiaries covered. PSM offers an array of dental plans available to our agents along with the guidance on how to best incorporate into your business.

From the article...

Many people view Medicare as the gold standard of United States health coverage, and any attempt to cut it incurs the wrath of older Americans, a politically powerful group. But there are substantial coverage gaps in traditional Medicare. One of them is care for your teeth.

Almost one in five adults of Medicare eligibility age (65 years old and older) have untreated cavities. The same proportion have lost all their teeth. Half of Medicare beneficiaries have some periodontal disease, or infection of structures around teeth, including the gums. Bacteria from such infections can circulate elsewhere in the body, contributing to other health problems such as heart disease and strokes.

And yet traditional Medicare does not cover routine dental care, like checkups, cleanings, fillings, dentures and tooth extraction.

Paying for dental care out of pocket is hard for many Medicare beneficiaries. Half have annual incomes below $23,000 per year. Those who have the means, but are looking for a deal, might travel abroad for cheaper dental care. Tens of thousands of Americans go to Mexico every year for dental work at lower prices. Many others travel the globe for care.

Although low-income Medicare beneficiaries can also qualify for Medicaid, that’s of little help for those living in states with gaps in Medicaid dental coverage.

According to a study published in Health Affairs, in a given year, three-quarters of low-income Medicare beneficiaries do not receive any dental care at all. Among higher-income beneficiaries, the figure is about one-quarter.

Traditional Medicare will cover dental procedures that are integral to other covered services. So if your Medicare-covered hospital procedure involved dental structures in some way, important related dental care would be covered. But paying for any other care is up to the patient.

Lack of dental coverage by Medicare is among the top concerns of beneficiaries. The program also lacks coverage for hearing, vision or long-term care services. However, many Medicare Advantage plans — private alternatives to the traditional program — cover these services.

For example, 58 percent of Medicare Advantage enrollees have coverage for dental exams. In receiving these benefits through private plans, enrollees are also subject to plans’ efforts to limit use by, for example, requiring prior authorization or offering narrow networks of providers. These restrictions can be problematic for some beneficiaries, and about two-thirds of Medicare beneficiaries opt for the traditional program, not a private plan.

Adding a dental benefit to Medicare is popular. A Families USA survey of likely voters found that the vast majority (86 percent) of likely voters support doing so. The survey also found that when people do not see a dentist, the top reason is cost.

Ms. Willink’s study estimated that a Medicare dental benefit that covered three-quarters of the cost of care would increase Medicare premiums by $7 per month, or about 5 percent. The rest would need to be financed by taxes.

The cost of such a benefit might be offset — or partly offset — by reductions in other health care spending, reflecting the fact that poor oral health contributes to other health problems.

Making a case for this in the political arena would not be easy, though. The initial cost would be an inviting target for politicians who express concern about fiscal prudence, regardless of any potential long-term gain. But expanding Medicare has been done before.

In 2006, a prescription drug benefit was added to the program. The law for that program was enacted in 2003, and in that same year, the surgeon general released a report calling for dental care to be treated and covered like other health care. Whether by Medicaid or Medicare, that wish is still unfulfilled.

As you can see, more than ever it is important to carry a strong dental product in your portfolio. We would love to assist with any questions you have and make sure you offer this comprehensive coverage to your clients

Source: https://www.nytimes.com/2018/03/19/upshot/medicare-missing-dental-coverage.html

Additional Updates:
  • United World Med Supp released in Kentucky with great rates - View
  • Mutual of Omaha expands Med Supp Cash for Apps Program in new states - View
  • Mark Farrah Medicare Advantage Report - February 2018 - View
  • How to fight for mental focus - View
  • Phoenix releases new MYGA Annuity product - View
  • Increase Your Sales with Our Complimentary Tools - View
  • Express: Mutual of Omaha Weekly Updates - View
  • VALUES Quote of the Week - View
  • Current Agent Incentive Trips and Contests - View

Tags: dental hearing and vision insurance, Medicare Sales, Sales Strategies

Are you cross marketing your clients this AEP?

Posted by www.psmbrokerage.com Admin on Thu, Oct 20, 2016 @ 03:45 PM

Are you cross marketing your clients this AEP

Great AEP Opportunity

The Annual Enrollment Period is underway and now is a great time to make sure you making the best of the opportunity. During the AEP many successful agents double and even triple their income by offering ancillary products. Don't miss the opportunity to help secure your clients with the best coverage while growing your revenue at the same time.

Below are some of the ancillary products that we recommend you consider when speaking with your clients this AEP. If you need assistance with sales ideas and product positioning, give us a call and one of our experienced representatives will provide you with some great ideas.

Hospital indemnity Plans

Provides your clients a plan that helps cover the gaps that Medicare Advantage leaves behind. These plans are designed to help alleviate out of pocket expenses associated with health plan gaps. This is a great add-on sale and can be presented with a Medicare Advantage plan if the scope of appointment is completed properly.

View carriers available

Dental, Vision & Hearing Plans

We understanding that your clients teeth, eyesight and hearing are a big part of their quality of life. Problems can be painful, inconvenient and expensive. DVH is an affordable way to help pay for these expenses. Issue ages are 18-89 so it’s a great “add-on” policy to an existing medical or Med Supp policy.

View carriers available

We wish you continued success this AEP. Our staff is available if we can be of assistance.

Additional Updates:
  • Express: Mutual of Omaha weekly product updates  - View
  • 2017 Medicare Advantage benefits now available  - View
  • 2017 Medicare Advantage Certification instructions now available - View
  • FREE Medicare Supplement Online Quoting Tool for PSM Agents - View

Tags: dental hearing and vision insurance, Hospital Indemnity, Sales Tips, Medicare Advantage, Medicare Supplement, cancer insurance, AEP

Long-in-the-Tooth Dental Advice

Posted by www.psmbrokerage.com Admin on Thu, Dec 11, 2014 @ 11:05 AM

blog picTerry O’Brien, 73, a retired administrative assistant in Billerica, Mass., recently had to make a tough decision about her dental care.

“I always took care of my teeth,” she said. But even so, she was told she needed a crown — an artificial cap — at a cost of about $2,000.

Since she and her husband lack dental coverage, she opted for a less expensive filling. She worries, however, about how she will fund dental care long term. “I’ll make 100, I bet,” she said. “But I wonder how long my teeth will last.”

Older Americans face such situations often, because many people over age 65 lack dental insurance. Only about 10 percent of retirees have dental benefits from their former employer, according to Oral Health America, a nonprofit advocacy group.

And 22 percent of Medicare beneficiaries had not seen a dentist in five years, the Kaiser Family Foundation reported in 2012. The main factor is the cost of care, said Tricia Neuman, a Medicare policy expert with the foundation. Continue reading the main story Related Coverage

Traditional Medicare, the federal health program for older adults and people with disabilities, doesn’t cover routine dental care or dentures. Some Medicare managed care plans offer coverage, but it is often limited to preventive care like cleanings. Medicaid, the federal-state program for low-income people, may cover some dental care for adults, but benefits vary by state. Individual plans are available, but they typically cap payments at low levels and may not cover any advanced treatments, like implants to replace lost teeth.

That means most older Americans must pay for dental care out of their pockets.

According to 2013 data from the American Dental Association, which surveyed private dentists, the average cost of a basic examination is about $45, while a cleaning is $85. X-rays are another $27; a tooth-colored filling is $149, while a silver filling is about $125. Costs vary widely, however, depending on the market.

Artificial implants average about $4,000 per tooth, the A.D.A. found. But the bill can be much higher, after adding anesthesia and related treatments like bone grafts. Implants involve inserting a metal screw into the jawbone to serve as the foundation for a replacement crown.

Implants are an economic impossibility for some patients, said Beth Truett, chief executive of Oral Health America. But, “If they can afford it, they are a great solution to maintaining not only that tooth, but the teeth around it.” A full set of teeth for an adult is 28 (32 if you still have your wisdom teeth), and you should have at least 22 teeth to eat properly, she said. Once a tooth is lost, nearby teeth bear additional strain and it gets more difficult to chew; that leads to a cycle of poor nutrition and further tooth loss, she said.

Ed Decker, 69, a retired hospital pharmacist in Ashland, Mass., said he had poor dental health his entire life and had budgeted to make dental care a priority. “I think my family was born with marshmallows instead of teeth,” he said. Ultimately, he lost so many teeth he couldn’t chew, and had 10 implants, at a total cost of about $50,000. He was able to pay for it, he said, because of successful investments recommended by his financial adviser. “When you put in an implant, it’s like having a natural tooth,” he said. Continue reading the main story Continue reading the main story Continue reading the main story

Judith Jones, a professor at Boston University Henry M. Goldman School of Dental Medicine and an authority on dental care for older people, recommends that after age 65, the bare minimum level of care needed is a professional examination and cleaning at least once a year. Poor mouth health has been linked to other ailments, like heart disease and diabetes.

Patients should brush at least twice a day for two minutes, she said. If older people aren’t able to do it themselves, family members or caregivers should assist them. Basic mouth hygiene, including daily flossing, is important to maintain healthy gums and remove tartar and plaque, which traps bacteria and can lead to infections.

People also need to be aware of the possibility of being pressured into unnecessary treatment. To find a reputable dentist, you may want to ask your doctor or your friends for a referral. And be skeptical of treatment that sounds overly aggressive. “If you go in and they want to replace every filling in your head, you should get a second opinion,” said Athena Papas, co-head of geriatric dentistry at the Tufts University School of Dental Medicine.

However, she noted, patients who haven’t been to the dentist for several years may have a real need for restoration work, particularly if they are on multiple prescriptions. Some medications can cause a reduction in saliva, which can promote development of cavities.

One way to limit costs for replacement teeth is to have implants on the lower jaw, and use dentures to replace upper teeth, said Dr. Papas; it’s easier to keep upper dentures in place.

Older adults on tight budgets generally should avoid cosmetic treatments like teeth whitening, dentists say. But many dismiss the idea that older people don’t need to spend on oral care because they are near the end of their lives. Patients who are in their 80s, but who are fit and have a healthy lifestyle, can benefit from technologically advanced dental care “because it is estimated that they will have another 10-15 years of life span,” Helena Tapias-Perdigón, an assistant professor at the Baylor College of Dentistry at Texas A&M Health Science Center, said in an email.

Some dental schools offer discounted treatment, although some require deposits and may have waiting lists. The American Dental Association lists accredited schools on its website.

You can also ask dentists if they offer a payment plan. But read the fine print of any discount program, said Jim Quiggle, a spokesman for the nonprofit Coalition Against Insurance Fraud, since some programs offer little in the way of true savings.

Looking for Competitive Dental Plans to Offer Your Clients?


Source: nytimes.com

Additional Updates:

Tags: dental hearing and vision insurance, dental advice, dental

Risks In Retirement: Don't Forget About Health Care Costs

Posted by Jeremy Davis on Fri, Jul 25, 2014 @ 09:19 AM

blog pic

“What’s the biggest risk to your financial security in retirement?” Whenever I ask that question, what I hear most often is that people are concerned about whether or not their money will last. Many pre-retirees don’t budget for unexpected medical expenses that can pose a threat to their retirement income plan. The Employee Benefit Research Institute estimates that a couple, both 65, retiring today with median prescription drug expenses needs $151,000 (in today’s dollars) to have a 50 percent chance of meeting their health care costs in retirement, not including long-term care costs. A couple with $255,000 in savings would have a 90 percent chance of covering those costs.

Why the Disconnect?
In my experience, many pre-retirees mistakenly believe that Medicare, the federal health insurance program for those aged 65 and older, will cover the vast majority of their health care expenses in retirement. Not so.

In reality, Medicare doesn’t cover many of the health care expenses older Americans use most. I’m talking about vision and dental care, hearing aids and eyeglasses. And Medicare Part D plans vary widely when it comes to prescription coverage. I remember feeling sticker shock when I helped my mom and stepdad pay their monthly pharmacy bill. Millions of Americans take blood pressure, diabetes, arthritis and other commonly prescribed medications to stay healthy and out of the hospital. These aren’t health care costs you can dial back on to save money.

Offer Your Clients Competitive Dental, Vision, & Hearing Plans


Source: forbes.com

Additional Updates:

Tags: Risks in retirement, health care costs, employee benefit research institute, medico insurance, dental hearing and vision insurance

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