Senior Dental Insurance

carefirst senior dental insurance

Here are all of my current Dental and Ancillary Insurance Options:


MetLife (NCD):  View Rates & Options

Shop for Dental, Vision, benefits up to $10,000 annually!


Manhattan Life:  View Rates & Options

Shop for Dental, Vision, Hearing, Critical Illness, Accident


Cigna:  View Rates & Options

Shop for Dental, Vision, Hearing, Critical Illness, Accident


CareFirst:  View Rates & Options

Shop for Dental (link is in lower left hand corner)


Mutual of Omaha:  View Rates & Options

Shop for Dental Plans or Dental Discounts


WHAT TO LOOK FOR:


RATIO

My goal is to always get the best "ratio" of premiums to Maximum Benefit Limits.  I always look for at least a 3X return.  So if premiums are $600/year, I'd like to see at least $1,800 in Max Benefit Limits from the plan. This is just my personal opinion.


NETWORKS

If you have an established dentists, you should check to see if they are in network by using the dental plan's doctor finder (if the plan is an HMO).  If the plan is a PPO, just verify with the dentist that they are willing to work with a PPO plan. 


DEDUCTIBLES

Some plans offer lower premiums because they have a small deductible, others do not. The deductible is what you pay in full, before the plan starts sharing in the cost of services.


WAITING PERIODS

Some plans require a six month or 12 month waiting period before benefits start, like Major services, while other plans have no waiting period.  Some will offer you immediate savings and then increase those savings after a waiting period.


Feel free to forward this email onto your friends / family!

Your Teeth Determine Your Overall Health!

You May Need Two Plans

Your health insurance may already include some type of dental coverage, but it may not be enough. You can have more than one plan to fit your needs!

Get Smiling, Anywhere

Utilizing a PPO plan will ensure you get to see the Dentist of your choice. And for less than $52 per month, it's affordable with $1,750 in annual benefits!

Enrolling Is Easy & Online

Sign up right online in just a few minutes. There's nothing complicated about it and you can enroll 24/7/365.

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Peter Palmiotto | MD License 3000236502 | (410)896-1212

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