We have several options that will compliment your health care coverage; all of which are designed to reduce risk.
Dental Plans: Dental plans are available in two basic forms 1) Those that have free preventive care and normally a waiting period of at least 6 months for basic/major services. Once the waiting period has been satisfied, you’ll normally have a small deductible of $50 after which the plan will pay for 50-80% of basic/major services up to $1,000-$1,500 per calendar year, per person. This option is best for those who don’t need any major work done now and only have preventive care needs at this point. 2) Plans that have a “set fee’ schedule” – these policies have no waiting period and allow you to receive pre-negotiated rates on all services from day one. This would be best for someone who needs a significant amount of work done quickly.
Vision Plans: Vision coverage will normally allow for one free vision exam with dilation per person, per calendar year. Our most popular plan, from Humana One, has a $25 co pay for lenses, a $40 allowance for frames and a $110 allowance for contact lenses per person, per calendar year.
Hospital Cash Plans: These will pay you a lump sum benefit of up to $2,000 (after a $100 deductible) if you’re hospitalized for any reason. The cash is typically used to pay off any deductible and out of pocket on your health plan. Since individual/family plans in Texas typically do not cover maternity, we can use this plan to help with routine pregnancy expenses since that is a covered expense. You will have a 10 month wait before you can use the plan toward pregnancy expenses, so we suggest delaying family planning until you’ve been on the plan for at least 2-3 months. This plan will cover you for any hospitalization, but we most commonly use it to help with pregnancy related expenses.
If you have an interest in adding any of these supplemental policies to your existing plan, please visit us at www.selectedbenefits.com or call us Toll Free at 866.270.6209.