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The poll conducted by the consumer group Families USA, and YouGov found that while support was high, a majority (59%) didn’t know Medicare didn’t already offer such benefits. The poll comes as some 2020 Democratic primary hopefuls have called for adding dental benefits to Medicare. “They know their oral health is critical to their overall health, and it’s like the government is saying, ‘we don’t think you have teeth,’” said Patrick Willard, senior director of state and national strategic partnerships at Families USA, in a statement. “Well, most Americans now keep their teeth well into old age, and they need access to dental coverage in order to take care of them.” The poll found that 24% of those surveyed somewhat favors including dental benefits in Medicare, and 46% heavily favor it. Overall, 8% said they oppose adding such benefits. RELATED: Two-thirds of Medicare recipients lack dental coverage Medicare will only cover narrow types of dental work such as a jaw reconstruction surgery. It does not cover routine dental visits or procedures minor or major such as root canals or cavity fillings. Out of 57 million Medicare beneficiaries, 65% don’t have any dental coverage at all, according to a March analysis from the research firm Kaiser Family Foundation. Another 49% haven’t been to the dentist in the past year, and 19% spent more than $1,000 out of pocket on dental care, the analysis found. Even Medicare beneficiaries who have dental coverage through their MA plan or another supplemental plan face stiff out-of-pocket costs. Across all beneficiaries, the average out-of-pocket spending on dental care was $469 in 2016, Kaiser said. Only 16% of beneficiaries have coverage via MA plans, while 9% have coverage on Medicaid, 8% through private plans and 2% through a combination of MA and Medicaid. The poll was conducted as part of the Oral Health for All campaign that is spearheaded by Families USA and the oral health company DentaQuest. YouGov reached out to 1,000 likely voters nationwide earlier this month, and the poll has a margin of error of three percentage points. Source: https://www.fiercehealthcare.com/payer/poll-70-support-adding-dental-coverage-to-medicare Image: Canva
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Source: https://www.fiercehealthcare.com/payer/poll-70-support-adding-dental-coverage-to-medicare Image: Canva
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As people approach age 65, they’re bombarded with insurance offers. While some companies continue to add to the clutter and confusion, Mutual of Omaha is focused on helping you guide your clients through the complexity of selecting Medicare coverage. So, when they turn to you for help, turn to Mutual of Omaha’s Medicare Solutions portfolio. Medicare-age clients are looking to stay physically and financially healthy. Considering they need to make their savings last, they want to know what’s covered and how much things will cost. They want to feel confident that the coverages they choose will help protect their health and budget. Mutual of Omaha’s Medicare Solutions can do just that. Take a look at their products that help solve your clients’ needs during their retirement years:
Mutual of Omaha’s great senior product offerings and unparalleled service are the perfect complement to your clients’ needs. If you have questions or would like to get contracted, please call us at (800) 998-7715 or complete our online request form. Mutual of Omaha Rx (PDP) is a prescription drug plan with a Medicare contract. Enrollment in the Mutual of Omaha Rx plan depends on contract renewal. |
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Tags: Medicare Supplement, Medicare Part D, Mutual of Omaha Medicare Supplement, dental plans, MACRA
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Earn June 1 - September 30 For a limited time, you can earn marketing credits just for placing your dental insurance business with Mutual of Omaha. You can earn the following credits for your issued dental applications for up to 600 total credits:
Each marketing credit gives you $1 to help build your Mutual of Omaha Medicare supplement business. Use your credits for things like:
You'll receive monthly emails - July through October - with your current balance. You may redeem your credits at any time during the program. All credits must be redeemed by December 1. Not appointed to sell dental insurance with Mutual? Request details here
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Oral health is an integral part of overall health, but its importance to overall health and well-being often goes unrecognized. Untreated oral health problems can lead to serious health complications. Having no natural teeth can cause nutritional deficiencies and related health problems. Untreated caries (cavities) and periodontal (gum) disease can exacerbate certain diseases, such as diabetes and cardiovascular disease, and lead to chronic pain, infections, and loss of teeth. Lack of routine dental care can also delay diagnosis of conditions, which can lead to potentially preventable complications, high-cost emergency department visits, and adverse outcomes. Medicare, the national health insurance program for about 60 million older adults and younger beneficiaries with disabilities, does not cover routine dental care, and the majority of people on Medicare have no dental coverage at all. Limited or no dental insurance coverage can result in relatively high out-of-pocket costs for some and foregone oral health care for others. This brief reviews the state of oral health for people on Medicare. It describes the consequences of foregoing dental care, current sources of dental coverage, use of dental services, and related out-of-pocket spending. Key Findings
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While this product is positioned for individuals who are Medicare eligible the issue age is 19 – 99 for these policies. For more information and to see rates view the Dental Insurance Product and Rate Guide. Medicare supplement and Dental Insurance – Better Together First, good dental care is important to overall health. But do you know Medicare doesn’t cover dental services? That means dental bills have the potential to take a bite out of people’s savings. Second, there is a need among individuals age 65 and older for dental insurance.
Third, it is an easy sale. If you are taking a Med supp e-App the dental plans are quoted up front and with a few simple questions at the end of the app you can complete a dental sale. Also, all Med supp paper apps have the dental application included in the application book. And with our mobile quote app you can provide your clients a quote on the spot. Not appointed with Mutual of Omaha. Request details on both their competitive Medicare Supplement and Dental Plans. Image: www.Canva.com
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Tags: Medicare Supplement, Mutual of Omaha Medicare Supplement, dental plans, MACRA
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Lack of Dental Coverage has Real Costs and Consequences for People with Medicare
This week, the nonpartisan Kaiser Family Foundation (KFF) released an issue brief examining the issue of oral health for people on Medicare. It describes the consequences of foregoing dental care, current sources of dental coverage, use of dental services, and related out-of-pocket spending. Check out the dental plans PSM makes available to our independent agents. Source: https://blog.medicarerights.org/lack-dental-coverage-real-costs-consequences-people-medicare Image: Freepik |
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Understanding Aetna’s 2019 dental plans
Different types of dental coverage – Know how each one worksThe chart below outlines the three main types of dental coverage offered with our 2019 Medicare Advantage plans (MA/MAPD). While not all plans have a dental benefit (view a list of plans that don’t offer dental), when they do, the dental benefit fits into one of the buckets below.
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Dental Insurance for Your Medicare Clients
Mutual of Omaha now offers dental insurance for your Medicare eligible clients. Mutual Dental Preferred and Mutual Dental Protection insurance policies also have an optional vision care rider underwritten by Mutual of Omaha Insurance Company. The dental product is available in all states except: Maryland, North Carolina, New Mexico, New York, Virginia and Washington. *Mutual Dental Protection not available in Alaska Senior-age customers said they wanted a simpler dental insurance choice, one where they didn’t have to guess what’s covered. And we listened, designing two transparent, straightforward dental insurance policies that deliver the coverage they want with the confidence from knowing what their out-of-pocket costs will be. It’s dental care with no surprises. Dental insurance through Mutual of Omaha is:
See complete details. Straightforward design, guaranteed issue and coverage your clients want… all reasons for you and your clients to smile! Request details here or call us today at 800-998-7715. |
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Dental Insurance for Your Medicare Clients
*Mutual Dental Protection not available in Alaska While this product is positioned for individuals who are Medicare eligible the issue age is 19 – 99 for these policies. For more information and to see rates view the Dental Insurance Product and Rate Guide. Medicare supplement and Dental Insurance – Better Together First, good dental care is important to overall health. But do you know Medicare doesn’t cover dental services? That means dental bills have the potential to take a bite out of people’s savings. Second, there is a need among individuals age 65 and old for dental insurance.
Third, it is an easy sale. If you are taking a Med supp e-App the dental plans are quoted up front and with a few simple questions at the end of the app you can complete a dental sale. Also, all Med supp paper apps have the dental application included in the application book. And with Mutual's mobile quote app you can provide your clients a quote on the spot. Get Started - Make sure you are providing your Medicare clients insurance for all their health care needs. |
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Ameritas Dental and Vision Plans
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.
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:
Sell More Using the Ameritas PrimeStar Hyperlink:
Why agents love selling Ameritas:
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 |
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Tags: dental hearing and vision insurance, ameritas, product spotlight, dental plans