Dental Insurance: How Much Do You Know About It?

People like to purchase insurance for things we think are valuable, like homes, cars, business  and health. But we usually ignore the importance of one thing that we use everyday. Yes, we mean your teeth! We know that our teeth will affect what we eat and how we feel. Most of us pay attention to dental care only when our teeth severely ache. However, do you know heart diseases or strokes sometimes are associated with dental problems? In fact, regular dental care not only helps keep the mouth health, but also…

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Maryland health insurance exchange board submits recommendations to state legislators on how to build an exchange program

Maryland lawmakers are scheduled to consider recommendations from the Board of the Maryland Health Benefit Exchange regarding how the state should construct and insurance exchange system. The board introduced their recommendations to the General Assembly on Tuesday, but legislators will not decide what to do until the beginning of next year. The state is required to establish an insurance exchange system by federal law, but Maryland legislators have been slow in passing any new laws that would make the program a reality. The insurance exchange board was formed to guide…

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Federal government allows state insurance authorities to choose their own insurance benefits packages

The federal government has released the benefits framework attached to the Affordable Care Act that will help shape the benefits millions of people will receive with their health insurance policies in the coming years. The government began working on the framework after states issued complaints about the health care law not being clear on how it would affect benefits. States have been vying for control of the matter, and now the federal government has agreed to allow state insurance regulators to decide the specifics of the benefits given to consumers.…

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Survey shows Americans are avoiding the dentist due to the struggling economy

The Brighter.com “2011 Survey of Dental Care Affordability and Accessibility” conducted by Empirica research along with University of Southern California professor Dr. David Neal has shown that about half of all Americans do not have dental insurance, and that in 2010, the premiums for dental coverage rose by a much greater amount than those for medical insurance. This fact, in combination with the struggling economic times, is meaning that an increasing number of people are pushing dental care down on their priority lists because they feel they cannot afford it.…

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What consumers can expect from Medigap coverage

According to senior Medicare adviser from PlanPrescriber, Steve Zaleznick, consumers with original Medicare have been watching their insurance premiums steadily climb, and it is recommended that these individuals carefully consider their Medigap supplemental coverage in order to make sure that adequate protection under a less expensive plan. According to the director of benefits access policy of the Washington D.C.-based nonprofit advocacy organization, National Council on Aging, Hilary Sohmer Dalin, Medigap plans are designed to function with the original Medicare plan, and “Medigap wraps itself around Medicare and covers some or…

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Dental study shows unfair treatment towards patients with Medicaid

A study coming from the University of Pennsylvania suggests that children covered under public health insurance policies are far less likely to receive quality dental care. Dentists, the study finds, are more willing to treat children with coverage from private insurance companies. The study was led by Joanna Bisgaier, a PhD student at the university, and was published online yesterday in Pediatrics, the official journal of the American Academy of Pediatrics. Researchers prepared 6 women for the study, each trained to be the mother of a young boy that had…

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Michigan health insurer rolls out new plan geared for youth

Blue Cross Blue Shield of Michigan has unveiled a new insurance plan tailored for young adults, which will cost them less than $100 monthly. Called the Young Adult Blue Max plan, the goal is to provide coverage for those between the ages of 19 and 30. The plan offers medical, dental and vision coverage. Preventative care and services are included in the plan. The insurer is claiming that their new coverage plan will prove especially beneficial for young adults striking out on their own. Whether they are starting a career…

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