Plansurity Dental for MAJOR Dental work ! Free for Month of November !

How about Paying Nothing for Dental Coverage !  

 November only Special !

Here's where to go to sign up:

http://bit.ly/MMdentalPlansurity

Great Local Dentists Save You 70%+ on Braces, Implants, Crowns. No Insurance Needed.

Plansurity Dentist !

Major dental work is expensive.  Dentists charge around $5,500 for braces and $4,000 for an implant and crown. If you don’t have a dental plan, you would pay the entire fee. If you have a dental plan, it doesn’t get much better.  Good dental plans cover $1,500 for either procedure, so you still have to pay around $4,000 for braces and $2,500 for an implant and crown to make up the difference.   PlanSURITY lowers the price of major dental work while improving quality of care. We connect you to great local dentists, reviewed by clinical experts for excellence. It doesn’t matter to us if you have a dental plan or not - the dentist will not charge your insurance plan anyway. Here’s what you pay: ·         Braces: Around $2,500 (SAVE $1,500 - $3,000) ·         Implant + Crown: Around $1,500 (SAVE $1,000 - $2,500) ·         Other Major Procedures: After your free initial examination, you’ll get an outstanding price Most of our dentists have financing options in place so you can pay monthly (instead of all at once), if that helps you get the care you need. Sign up today. Its free to join.  Tell us if you need work done now or in the future. A local dental office will contact you (depending on when you need the work done) for a free initial examination. Register at no Cost ! http://bit.ly/MMdentalPlansurity Our offices will fill up quickly, so reserve a spot today!

Medicare: Who Pays When !

Medicare: Who Pays First? 

 

Compliments to our friends at Benefit Mall:

 
There are a couple of different scenarios whereby an employee who is covered by both Medicare and the employer’s group health plan may encounter a dilemma as to which pays a claim first. Typically, this is a classic “coordination of benefits” that can sometimes cause confusion if not handled in a timely manner.

For employers with less than 20 employees, in a large majority of cases, Medicare is the primary payer of the claim, followed by the group health plan.

For Example, billed amount $500, Medicare allowed amount $300, Part B pays 80% of $300 = $240, group medical plan will pay the co-insurance amount of the $60 balance of the allowed amount.

Once an employee turns 65 and they are covered by Medicare A or B, they can no longer contribute to the HSA. If they are on Medicare, however, they can use funds to reimburse 213(d) expenses. They do not lose their money.

Scenario	Primary Payer	Secondary Payer
Employer with 20+ employees	Employer	Medicare
Employer with fewer than 20 employees	Medicare	Employer
On spouse's insurance and employer has 20+ employees	Employer	Medicare
On spouse's insurance and employer has fewer than 20 employees	Medicare	Employer
Retiree from non-federal job with health insurance from former employer	Medicare	Employer
Retired and spouse's employer's plan for business with fewer than 20 employees	Medicare	Employer
Retired and spouse's employer's plan for business with 20+ employees	Employer	Medicare
Retired federal employee	Medicare	Federal Employees and Health Benefits Program
TRICARE*	See below
COBRA	Medicare	COBRA
Medicaid	Medicare	Medicaid
Under 65, disabled and have coverage through a family member's employment and employer has 100+ employees	Employer	Medicare

*For TRICARE, there are different scenarios that exist which will determine who pays first:

• For active-duty military personnel enrolled in Medicare, TRICARE pays first for the Medicare-covered services and Medicare pays second.
• For inactive military personnel enrolled in Medicare, Medicare will be the primary payer and TRICARE may pay as the secondary payer.

Did you know that 70% of men and women over the age of 65 will need some kind of long-term care services ?

Long Term Care Awareness Month Did you know that 70% of men and women over the age of 65 will need some kind of long-term care services? This kind of care can be very expensive and can take a toll on the family as a whole as they try to figure out payment, roles of family members, and other logistics of making long-term decisions for a loved one. Here’s a list of statistics surrounding long-term care in the United States. 78% of adults who are receiving long-term care at home rely solely on family and friends for their assistance. The average caregiver is a woman around 46 years of age. On average, the caregiver spends about 21 hours per week assisting their patient or family member. Over 90% of family caregivers had to alter their work schedule permanently due to caring for their loved one. Around 40% of caregivers have had to switch from working full-time, to part-time. Close to half said they had to skip vacation and other personal activities in order to take adequate care of their loved one. 29% had to use their own money in providing care. More than 10% had to move in order to be closer to their family member in need of care. Around 10% had to take a pay cut at their full-time job. The more we understand the emotional, physical, and economic toll that long-term care can take on loved ones, the more we can prepare for our own futures so we don’t become a burden to the people we love the most. Honor National Long-Term Care Awareness Month by looking into planning for your own needs, whether that is through long-term care insurance or other alternative plans that help provide funding to care for you and your family.  Call me or shoot me a note for a quote ! Click Here to Request a CALL BACK !