These are the top two requests and solved for a ton of people.
If you are on Apple Health then you have Dental. You want to use the heck out of it. Kids can get braces if they are medically necessary. You can get cleanings and fillings. It is run by the Healthcare Authority so do not hesitate to call them directly and grill them. They don't cover bridges, implants or crowns. Their phone number is 1-800-562-3022.
On Apple Health and can't find a dentist/doctor then go here.
Apple Health Vision, the kids 20 and younger are covered and the adults need to contact the administering insurance company and see what they cover. The adult's eyeglass frames and lenses are generally not covered by Apple Health but they have a discount program. These change from time to time on what they cover. The Apple Health managing companies are:
Amerigroup Washington: 1-800-600-4441
Community Health Plan of Washington 1-800-440-1561
Coordinated Care of Washington 1-877-644-4613
Molina Healthcare of Washington 1-800-869-7165
United Healthcare Community Plan 1-877-542-8997
If you don't have a managing company then call the Healthcare Authority at: 1-800-562-3022
Onto the individual paid plans.
Dental
We start with comparing the plans on the Healthplanfinder in a person's area. Some healthcare companies may offer a dental add on plan with very mixed results. The majority of people go to the individual direct plans when they understand the coverage.
If those are not available then we go straight to Delta Dental. Use this link select an agent when you get the chance.
Two types of plans.
1. Is the clear plan, it applies flat copays. There is no waiting periods and no maximum usage. We have a lot of people that select the plan for those reasons.
2. All of the other plans have deductibles, copays and various waiting periods. Because Matt has a ton of use every year, he is using the Premium Plan which has a $2000 per year maximum. Yes, this has a higher limit than a lot of work plans. It also has a lifetime deductible instead of an annual. The other four plans have different advantages. The Family works best for large families with only one utilizing the plan. The Enhanced and Classic are good mid-ranged. The basic plan is the least expensive.
Delta Dental wants online payments. The first payment comes out the day that you select the plan and if you have monthly payments then they come out on the 27th of every month. Have the plan for a year. If you need to cancel then Delta requires a signed cancellation form. We have some in the office. Pick this link for Delta Dental.
Individual Vision.
If your plan does not cover vision and you spend more than $200 a year on glasses or contacts then an individual plan is a good choice. Seriously, every year I get people in my office that spend $150 on glasses and I tell them to keep buying glasses the way they are and save the money. We use VSP same as alot of group plans. Pay attention to the network. For about $15 a month for a single and $25 for couple you can have vision coverage. They have simple co-pays and pay attention to extra discounts.
Pick this link for Vision.
We have other supplemental policies such as Accident Coverage that can off set high deductible policies. Those do require a conversation as they have limitations. Supplemental policies can be abused and we do our best to minimize this abuse by thoroughly explaining policies and providing with paperwork. We would rather take the extra time, energy and not make the sale than sell a product that is not usable to a client.
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| Apple Health Kids is awesome. |
On Apple Health and can't find a dentist/doctor then go here.
Apple Health Vision, the kids 20 and younger are covered and the adults need to contact the administering insurance company and see what they cover. The adult's eyeglass frames and lenses are generally not covered by Apple Health but they have a discount program. These change from time to time on what they cover. The Apple Health managing companies are:
Amerigroup Washington: 1-800-600-4441
Community Health Plan of Washington 1-800-440-1561
Coordinated Care of Washington 1-877-644-4613
Molina Healthcare of Washington 1-800-869-7165
United Healthcare Community Plan 1-877-542-8997
If you don't have a managing company then call the Healthcare Authority at: 1-800-562-3022
Onto the individual paid plans.
 |
| Brush your teeth regularly. |
We start with comparing the plans on the Healthplanfinder in a person's area. Some healthcare companies may offer a dental add on plan with very mixed results. The majority of people go to the individual direct plans when they understand the coverage.
If those are not available then we go straight to Delta Dental. Use this link select an agent when you get the chance.
Two types of plans.
1. Is the clear plan, it applies flat copays. There is no waiting periods and no maximum usage. We have a lot of people that select the plan for those reasons.
2. All of the other plans have deductibles, copays and various waiting periods. Because Matt has a ton of use every year, he is using the Premium Plan which has a $2000 per year maximum. Yes, this has a higher limit than a lot of work plans. It also has a lifetime deductible instead of an annual. The other four plans have different advantages. The Family works best for large families with only one utilizing the plan. The Enhanced and Classic are good mid-ranged. The basic plan is the least expensive.
 |
| Do not be afraid to get new glasses. |
Individual Vision.
If your plan does not cover vision and you spend more than $200 a year on glasses or contacts then an individual plan is a good choice. Seriously, every year I get people in my office that spend $150 on glasses and I tell them to keep buying glasses the way they are and save the money. We use VSP same as alot of group plans. Pay attention to the network. For about $15 a month for a single and $25 for couple you can have vision coverage. They have simple co-pays and pay attention to extra discounts.
Pick this link for Vision.
We have other supplemental policies such as Accident Coverage that can off set high deductible policies. Those do require a conversation as they have limitations. Supplemental policies can be abused and we do our best to minimize this abuse by thoroughly explaining policies and providing with paperwork. We would rather take the extra time, energy and not make the sale than sell a product that is not usable to a client.
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