Health Dental Vision Insurance Packages - MOUNTAIN VIEW, CA -- 12/23/13 -- Today, eHealth, Inc., which operates eHealthInsurance.com (http://www.ehealthInsurance.com), the Nation's first and largest health insurance exchange, announced the Cost Report. Products. Supplemental Insurance, which outlines the average cost of dental, vision, accident and travel health insurance plans nationwide at eHealthInsurance.com.
The purpose of eHealth reports on cost and benefit trends in the purchased individual health insurance market is to provide a national perspective on trends in the market for supplemental insurance products based on an analysis of a sample of policies distributed geographically. This report analyzes plan data from a sample of more than 39,000 plans sold to individuals from all 50 states and the District of Columbia purchased through e-health in 2012.
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EHealth has published reports since 2005 that analyze the costs and benefits associated with large privately purchased medical health insurance plans, as well as supplemental and supplemental health insurance products. Several organizations nationally have obtained data showing consumer purchasing patterns and purchase prices in the individual and family health insurance market.
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An analysis of more than 25,000 dental insurance policies sold through e-Health in 2012 showed that individuals (regardless of age group) paid an average of $30 per month for a dental insurance policy. Among HMO Dental Insurance plans, the average premium was $20 per month. Among PPO dental plans, the average premium was $34 per month. Overall, 34% of PPO plans had coinsurance and the average coinsurance per plan was 10%.
An analysis of more than 15,000 vision insurance policies sold by eHealth in 2012 found that the average monthly premium for vision insurance was $18 per month (regardless of age group). The majority of vision insurance plans sold through eHealth were purchased by people between the ages of 25 and 34 (34% of all vision insurance policies sold through eHealth in 2012). The table below shows the cost of individually purchased vision insurance plans.
An analysis of more than 8,500 accident insurance policies sold through e-health in 2012 found that the average monthly premium was $25 per month, regardless of age group. The majority of accident insurance plans sold through eHealth were purchased by people between the ages of 25 and 44 (59% of all accident insurance policies sold through eHealth in 2012). On average, men pay more for accident insurance ($25 per month) than women ($24 per month). The table below shows the costs of individually purchased accident insurance by age and gender.
An analysis of 1,000 travel health insurance policies sold through eHealth in 2012 found that the average length of time it took for an individual, regardless of age group, to purchase travel insurance was forty days. The average person paid $75 for a plan with a $952 deductible and $393,405 of travel health coverage.
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For trips lasting seven days, the average cost of a travel insurance plan was $20; for voyages lasting fourteen days, the average cost was $29; for voyages lasting twenty-eight days, the average cost was $45; and for voyages lasting thirty-five days, the average cost is $40.
This chart breaks down the percentage of travel health insurance plans purchased within different coverage limits, and the average deductibles for people who chose coverage limits for plans sold through e-Health.
The eHealth report also analyzed the costs of dental, accident and vision insurance plans purchased on a state-by-state basis. This state analysis includes only states where e-Health sold at least 100 policies of any type of insurance in 2012.
EHealth, Inc. (NASDAQ: EHTH) eHealthInsurance, the Nation's first and largest private health insurance exchange where individuals, families and small businesses can compare and buy health insurance products from leading insurers side-by-side and shop online. eHealthInsurance offers thousands of individual, family and small business health plans written by more than 200 of the nation's leading health insurance companies. eHealthInsurance is authorized to sell health insurance in all 50 states and the District of Columbia. eHealth, Inc. also provides powerful online and pharmacy tools to help Medicare beneficiaries navigate their Medicare health insurance options, choose the right plan and pay through PlanPrescriber.com (www.planprescriber.com) and eHealthMedicare.com (www. . eHealthMedicare.com).Let's face it it: Dental work can be expensive. Even the most basic cleaning can put a dent in your wallet. Having comprehensive dental insurance can mean the difference between putting off major oral care or living with gum or oral problems. However, due to the way some policies are designed, you may be limited in what work you can complete.
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Some people delay care because their insurance doesn't cover treatment at all, others do so because they've maxed out their coverage for a year. However, most people agree that having some coverage is better than none. So how do you get started? Here are four basic steps to take when buying dental insurance to avoid unexpected expenses.
Dental insurance gives you coverage to pay for certain dental work. These policies can help insured parties pay for all or part of the work their dentists do, from routine cleanings and X-rays to more complex ones like implants.
Although dental insurance works somewhat like health insurance, the premiums are usually much lower—but, of course, there's a catch. Most health insurance policies cover a high percentage of co-pays even after you've paid your deductible, and most have a one-year out-of-pocket maximum, with deductibles ranging from $50 to $100. This is not the case with dental insurance, which usually follows a 100-80-50 coverage structure.
If you use an online dentist, dental plans usually pay 100% of preventive care - exams, X-rays and cleanings. However, basic procedures, such as fillings, root canals and extractions, cost only 80%, while major procedures such as crowns, bridges, implants, and gum disease treatment cost only 50% of the cost. Orthodontics and cosmetic dentistry, which are not considered medically necessary treatments, are usually not covered at all. This means you still have to pay a hefty fee to get the job done.
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Seniors in particular can benefit from the protections offered by dental insurance. Dental insurance for seniors often focuses on the types of coverage that older adults may need. These include crowns, root canals, dentures and tooth replacements. Although these procedures are not unique to elderly patients, it is more likely that the elderly will need one or more of them. Note that seniors on Medicare may need a different dental insurance plan than those without it.
These plans are the most expensive and not so common in the market. They are also commonly called "fee-for-service plans." Insurers cover the amount of money they will pay for various procedures - a standard and customary amount set by the American Dental Association. If your dentist charges a higher amount, you will have to pay this amount out of pocket.
Most insurance companies that offer compensation plans require you to pay the full cost and file a claim. Once the claim is approved, the insurance company pays you for their part. The main advantage of having such a plan is that it does not come with a network, so you are free to choose any dentist you like.
A preferred provider organization (PPO) is one of the most common types of plans. Dentists join a PPO network and negotiate their own fee structure with insurers. If you decide to use an out-of-network provider, you'll have to pay more out of pocket.
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These plans can be more expensive due to the administrative costs involved. However, they offer more flexibility than other plans, as they usually come with a wider network.
With a health maintenance organization (HMO), you'll pay monthly or annual premiums, but are limited to the network, and you may have to live in the area where the HMO is offered. It is usually the cheapest of the three types of plans, where dentists agree to pay fees for specific services.
Most people with dental insurance through their employer or other group coverage programs such as AARP, Affordable Care Act Marketplace Health Insurance Policies, or public programs such as Medicaid, Children's Health Insurance Program (CHIP) and TriCare have benefits for the military. .
These plans are usually less expensive than purchasing individual insurance and may have better benefits. However, you should also take a good look at the details of an employer-sponsored plan to decide if the premiums are worth the money for someone in your situation.
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Although group coverage with an employer-sponsored plan is often the best way to get dental insurance, it still doesn't mean the plan is right for you, so always check before signing up. Check out the features.
Individual policies are more expensive than group policies, whether you buy a single policy or one for your entire family, and of course there are downsides to this coverage. They come with more limited benefits, and the insured parties often have to wait in advance
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