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tb gold test :: Article Creator Scientists Develop A TB Test & Find A Genetic Vulnerability In Resistant Strains A rapid diagnostic test for tuberculosis (TB) has been approved for the first time by the World Health Organization (WHO). The assay can identify the tuberculosis-causing pathogen Mycobacterium tuberculosis in sputum samples within a few hours. Tuberculosis is a primary cause of death by infectious disease worldwide. The disease is estimated to kill over one million people every year, and is a huge socio-economic burden, particularly in low- and middle-income countries. "High-quality diagnostic tests are the cornerstone of effective TB care and prevention," said Dr. Rogerio Gaspar, WHO Director for Regulation and Prequalification. "Prequalification paves the way for equitable access to cutting-edge technologies, empowering countries to address the dual burden of TB and drug-resistant TB."  M. Tuberculosis c...
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Physicians Mutual dental insurance review - MarketWatch

Shopping for dental insurance can be a challenge. There are many different policies to choose from, and they all vary in what they cover. We've provided some important facts about Physicians Mutual dental insurance to help you decide if it's right for you.

Key takeaways

  • Physicians Mutual dental insurance has an A+ rating with the Better Business Bureau (BBB).
  • Physicians Mutual dental insurance has one of the largest networks of dentists in the United States.
  • You can see any dentist you like with Physicians Mutual dental insurance.
  • There are no deductibles, and coverage for preventive care services, such as dental cleanings, starts as soon as your policy takes effect.

Is Physicians Mutual dental insurance any good?

Physicians Mutual insurance company was founded over 100 years ago in 1902. They provide an extensive range of health and life insurance services, including dental insurance for both businesses and individuals.

You know you can trust Physicians Mutual dental insurance because it has an A+ rating with the Better Business Bureau (BBB) and an AM Best rating of A and A+ for its financial strength.

This is an excellent dental insurance for people who are looking for a flexible dental insurance policy. Plus, you can choose any dentist you prefer, unlike with other types of dental insurance.

What does Physicians Mutual dental insurance cover?

When you use Physicians Mutual dental insurance, you can access discounts for dental care services like cleanings and other dental procedures from the provider's in-network dentists. This will help you save money. In fact, you can save up to 36% of covered services, on average, by selecting an in-network dentist. The company's network of dentists is one of the largest in the United States, with a network of around 500,000 provider locations. However, remember that you can visit any dentist you choose.

Physicians Mutual dental insurance doesn't have any deductibles, and coverage for preventive care services like dental cleanings starts as soon as your policy takes effect.

It provides affordable dental insurance that helps to pay for over 350 dental procedures, including routine exams, crowns, fillings and dentures.

It also helps to pay for over 30 preventive dental care services immediately after coverage begins, including:

  • Dental exams
  • Cleanings
  • X-rays

You will have to wait for three months for coverage of basic care services that include over 100 dental care services, including:

  • Minor oral surgeries
  • Fillings
  • Simple tooth extractions

There's a 12-month waiting period before Physicians Mutual dental insurance pays for over 200 dental major care services like:

  • Root canals
  • Crowns
  • Dentures and adding a tooth to existing partial dentures
  • Artificial teeth for bridges
  • Surgical tooth extractions

The best part about using Physicians Mutual for your dental insurance is that there's no yearly maximum amount on the cash benefits you can receive.

Three levels of coverage with Physicians Mutual

There are three levels of coverage to choose from with Physicians Mutual, and there are no deductibles with any of them:

  1. Economy Plus: This budget-friendly plan costs $30.10 per month.
  2. Standard Plus: This is a cost-effective plan for $37.80 per month.
  3. Preferred Plus: At $46.75 per month, this is the most popular plan. It pays the most for each covered dental service.

Some Physicians Mutual dental plans also cover emergency dental care outside of your basic care.

What is the average out-of-pocket cost for basic dental care with Physicians Mutual dental insurance?

Preferred Plus: If you choose the Preferred Plus coverage, your average out-of-pocket cost for a routine exam, dental cleaning and X-rays will be $18. This is based on a total cost of $217, minus $40 for in-network savings and minus $159 for your Preferred Plus plan benefit.

Standard Plus: The same routine exam, dental cleaning and X-rays will cost you on average $42 with Standard Plus. This is based on an average charge of $217, minus $40 for in-network savings and minus $135 for the Standard Plus plan benefit.

Economy Plus: With this option, your average out-of-pocket for a routine exam, dental cleaning and X-rays will be $65. This is based on an average charge of $217, minus $40 for in-network savings and minus $112 for the Economy Plus plan benefit.

What does Physicians Mutual pay for major dental care services?

Here's how each plan pays with an average charge of $2,778.21 for a routine exam, cleaning two X-rays, a problem-focus exam, root canal and crown.

As you can see, at only a few dollars more each month, the Preferred Plus plan will save you more money in the end if you need major dental care services.

What is the best dental plan for older adults?

Because Original Medicare doesn't cover most dental care services or supplies, seniors must look for individual dental insurance. Medicare Part A (hospital insurance) only pays for specific dental services when you stay in the hospital.

The good news is that Physicians Mutual dental insurance offers special pricing for seniors. There are no deductibles and no lifetime or yearly limits on dental coverage.

Physicians Mutual dental insurance includes coverage for up to 350 procedures, including crowns. Plus, it provides coverage for dentures.

Physicians Mutual Dental was rated the Best Dental Insurance for Seniors by TopTenReviews.

As with any dental insurance, covered procedures may vary by state and are subject to change. Ask Physicians Mutual dental insurance to send a free info kit with more information about the options available in your state.

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