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Medicare Blog | Medicare News | Medicare Information

Ameritas Dental Network Expansion

Posted by www.psmbrokerage.com Admin on Mon, Dec 09, 2019 @ 02:34 PM


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Tags: ameritas, dental plans

Poll: 70% support adding dental coverage to Medicare

Posted by www.psmbrokerage.com Admin on Mon, Aug 26, 2019 @ 03:58 PM

Source: https://www.fiercehealthcare.com/payer/poll-70-support-adding-dental-coverage-to-medicare

Image: Canva

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Tags: Medicare, dental plans

Mutual of Omaha: Medicare Solutions Product Portfolio

Posted by www.psmbrokerage.com Admin on Wed, Jun 12, 2019 @ 01:04 PM

 

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:

  • Medicare Supplement Insurance. Competitive pricing, premium savers and fast policy issue
  • Dental Insurance. Guaranteed issue, two plans available (both with optional vision rider), backed by a network of about 375,000 provider locations
  • Mutual of Omaha Rx. Two national prescription drug plans with affordable premiums, Value plan has $0 deductible for Tiers 1 & 2 prescriptions
  • Cancer, Heart Attack/Stroke Insurance. Limited underwriting, direct payment upon diagnosis, policies up to $100,000

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.

Additional Updates:
 

Tags: Medicare Supplement, Medicare Part D, Mutual of Omaha Medicare Supplement, dental plans, MACRA

Mutual of Omaha: Earn marketing credits for Dental business through September

Posted by www.psmbrokerage.com Admin on Wed, May 29, 2019 @ 02:57 PM

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:

  • 30 credits for 1-2 issued dental apps
  • 60 credits for 3-4 issued dental apps
  • 90 credits for 5-6 issued dental apps
  • 150 credits for 7 or more issued apps

Each marketing credit gives you $1 to help build your Mutual of Omaha Medicare supplement business. Use your credits for things like:

  • Leads
  • Postage for mailings
  • Office supplies that allow you to use our electronic tools (i.e., computer, laptop, tablet or smart phone)
  • Advertising, and more

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.

PDF flyer

Not appointed to sell dental insurance with Mutual? Request details here

Additional Updates:
 

Tags: mutual of omaha, dental plans

Dental Care Costs in Retirement

Posted by www.psmbrokerage.com Admin on Wed, May 29, 2019 @ 02:48 PM


The vast and growing untapped source of service and sales 

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

  • Almost two-thirds of Medicare beneficiaries (65%), or nearly 37 million people, do not have dental coverage (Figure 1).


  • Almost half of all Medicare beneficiaries did not have a dental visit within the past year (49%), with higher rates among those who are black (71%) or Hispanic (65%), have low incomes (70%), and are living in rural areas (59%), as of 2016.4
  • Almost one in five Medicare beneficiaries (19%) who used dental services spent more than $1,000 out-of-pocket on dental care in 2016.


PSM offers our agent a wide range of dental companies and plans
for our agents to represent. The need is clearly there, so don't miss out on helping your clients and put a little extra cash in your pocket as well.

Image: www.Canva.com

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Tags: dental plans

The Need for Dental Insurance

Posted by www.psmbrokerage.com Admin on Wed, Apr 17, 2019 @ 02:00 PM

the need for dental insurance.jpg


Mutual of Omaha offers two dental plans
* Mutual Dental Preferred and Mutual Dental Protection insurance policies with an optional vision care rider** underwritten by Mutual of Omaha Insurance Company. The dental product is available in all states except: New Mexico, New York, Virginia and Washington.

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
You have a built-in target market. If you are selling Medicare supplement, there are a number of reasons you should be offering your Medicare clients a dental policy.

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.

  • 87% of this group still have their natural teeth
  • Due to cost, 1 in 5 of them has untreated tooth decay and fewer than half see a dentist even once a year
  • Only 12% have 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

Lack of Dental Coverage has Real Costs and Consequences for People with Medicare

Posted by www.psmbrokerage.com Admin on Tue, Mar 26, 2019 @ 03:35 PM

Lack of Dental Coverage has Real Costs and Consequences for People with Medicare

man with tooth ache.jpg

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.

Despite the evidence that oral health is related to physical health, Original Medicare does not cover most dental care needs. While some Medicare Advantage plans may offer dental benefits, this coverage is often limited, and its availability can vary considerably across plans. As a result, many people with Medicare often lack adequate oral health coverage, which exposes them to serious health complications and high 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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Tags: dental plans

Understanding Aetna’s 2019 dental plans

Posted by www.psmbrokerage.com Admin on Wed, Jan 16, 2019 @ 09:59 AM

Understanding Aetna’s 2019 dental plans

aetna header 10-19-18 

When working with your clients, it’s important you educate them about the dental benefit on any plans they’re considering. There are several different types of dental benefits you may encounter on our plans.

Different types of dental coverage – Know how each one works

The 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.


Embedded Coverage (Network Structure)

  • Included in the plan; members don’t have to enroll separately to get dental coverage.
  • With HMO plans, members must use a dental network.
  • With PPO plans, members can use out-of-network dentists at higher costs.
  • You can find a network dentist online.


Embedded Allowance (Direct Member Reimbursement Structure)

  • Included in the plan; members don’t have to enroll separately to get dental coverage.
  • Requires members to pay upfront and submit a receipt for reimbursement.
  • Can be used for preventive and comprehensive services (i.e., all ADA codes, including dentures & implants).
  • Members can see any licensed dental provider (no network).
  • In certain states (CT, MA, ME, NH and RI), some allowances may have a co-insurance amount. For example, if the co-insurance is 50%, the member is reimbursed for 50% of their costs, up to their benefit maximum.
  • Allowance amounts do not rollover each year.
  • To request reimbursement:
    • Get a receipt or proof of payment from the doctor along with a description of the dental services provided.
    • Include the members’ printed name and member ID # on the receipt.
    • Submit the receipt to us at the claims address on the ID card (a claim form can be found online at the website on the ID card).
    • We’ll reimburse up to the benefit amount.


Optional supplemental benefit (OSB)

  • Must be purchased separately for an additional premium.
  • Members must enroll in an OSB when they enroll in their plan, or within 30 days of plan start date (or during another valid election period).
  • Requires member to use a dental network.
  • Those with the DMO network need to choose and visit a primary care dentist for us to cover their care.
  • PPO members can use out-of-network dentists at higher costs.
  • You can find a network dentist online.


Not appointed to sell Aetna Supplemental Plans? Request details here

Additional Updates:
 

Tags: aetna, dental plans

Mutual of Omaha Dental Insurance Highlights

Posted by www.psmbrokerage.com Admin on Wed, Nov 14, 2018 @ 02:35 PM

Dental Insurance for Your Medicare Clients

dental-concept-healthy-equipment-tools-dental-care-professional-banner_36325-1246

(Photo: Freepik)

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:

  • Simple  | Guaranteed issue, two questions on the Med supp application, e-app available
  • Transparent | Customers know what’s covered and what’s not
  • Flexible | Two plans to choose from, both include optional vision rider
  • Extensive  | Backed by a network of 375,000 dental provider locations
  • Affordable | Both policies are competitively priced

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.

Additional Updates:
 

Tags: mutual of omaha, dental plans

Mutual of Omaha: Dental Insurance for Your Medicare Clients

Posted by www.psmbrokerage.com Admin on Wed, Nov 07, 2018 @ 01:25 PM

Dental Insurance for Your Medicare Clients

dental-concept-healthy-equipment-tools-dental-care-professional-banner_36325-1246


This Spring 2018, Mutual of Omaha began offering Mutual Dental Preferred and Mutual Dental Protection insurance policies with 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

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
You have a built-in target market. If you are selling Medicare supplement, there are a number of reasons you should be offering your Medicare clients a dental policy.

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.

  • 87% of this group still have their natural teeth
  • Due to cost, 1 in 5 of them has untreated tooth decay and fewer than half see a dentist even once a year
  • Only 12% have 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.

Additional Updates:
 

Tags: mutual of omaha, dental plans

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