Featured Post

Warning as cases of respiratory disease Mycoplasma pneumonia rise in NSW

Image
which is more contagious bacterial or viral :: Article Creator The Surprising "Side-Effect" Of Some Vaccinations Source: Frank Merino / Pexels Have you gotten the shingles vaccination? What about the flu vax? If so, I have good news and more good news for you...And your brain. Of the many factors that contribute to healthy aging—exercise, diet, the gratitude attitude, and social connections, to name a few— the most surprising may be this one: Getting vaccinated. According to the latest research, getting vaccinated may contribute not only to your lifespan—the number of years you will live— but also to your healthspan—the amount of time you will live without major health problems, including cognitive decline. Lifespan Taking lifespan first, it's no secret that getting vaccinated contributes to a longer life for individuals who get them. Vaccinations have boosted average life expectancy for people around the globe. With v
- Post a Comment

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.

-

Comments

Post a Comment

Popular Posts

Preventing, controlling spread of animal diseases focus of forum at Penn State - Pennsylvania State University

Image
UNIVERSITY PARK, Pa. — An outbreak of the highly pathogenic avian influenza virus in poultry in 2014-15 resulted in the destruction of more than 50 million chickens and turkeys in the U.S., causing billions of dollars in economic loss. This animal disease outbreak — the worst in U.S. history — is one example of how devastating a foreign animal disease can be to animal agriculture and the country's economy. The resurgence of avian influenza in multiple states, including Pennsylvania, is once again bringing the importance of preventing animal diseases to the forefront, noted Suresh Kuchipudi, clinical professor of microbiology in Penn State's College of Agricultural Sciences. Exploring the emergence, spread and control of animal infectious diseases such as avian influenza was the focus of the inaugural Emerging Animal Infectious Disease Conference held Nov. 29-Dec.1, 2021, at Penn State. It was hosted by the College of Agricultural Sciences, the Pennsylvania Department of A
Read more

Model Monday's: Diana Moldovan

Image
dented can botulism :: Article Creator Three Canadians Sickened In France's Botulism Outbreak Are From Quebec: PHAC The Public Health Agency of Canada has confirmed that the three Canadians who fell ill in a botulism outbreak in France are from Quebec. They're among at least 12 people who have suspected botulism after eating sardines prepared and served at Tchin Tchin Wine Bar in Bordeaux, France. The food was eaten between Sept. 4 and Sept. 10. The Associated Press has reported that some patients have been released from hospital, but most of them are in intensive care or critical condition. Canada's public health agency says it cannot divulge the condition of the patients from Quebec because it is considered private health information. Other tourists from the U.S., Ireland, Germany and Spain were among those sickened. One patient, who was not from Canada, has died. France's public health agency is leading the investigation
Read more

“Live Coronavirus Map Used to Spread Malware - Krebs on Security” plus 1 more

Image
“Live Coronavirus Map Used to Spread Malware - Krebs on Security” plus 1 more Live Coronavirus Map Used to Spread Malware - Krebs on Security Posted: 12 Mar 2020 05:12 PM PDT Cybercriminals constantly latch on to news items that captivate the public's attention, but usually they do so by sensationalizing the topic or spreading misinformation about it. Recently, however, cybercrooks have started disseminating real-time, accurate information about global infection rates tied to the Coronavirus/COVID-19 pandemic in a bid to infect computers with malicious software. A recent snapshot of the Johns Hopkins Coronavirus data map, available at coronavirus.jhu.edu. In one scheme, an interactive dashboard of Coronavirus infections and deaths produced by Johns Hopkins University is being used in malicious Web sites (and possibly spam emails) to spread password-stealing malware. Late last month, a member of several Russian language cybercr
Read more