Dental Plans For Seniors

Dental Plans For Seniors

Dental Plans For Seniors

Dental Plans For Seniors

Seniors can get dental care with a Medicare Advantage plan. These plans may include dental, vision, and hearing benefits that original Medicare does not cover.

Medicare Doesn’t Cover Dental Care

Original Medicare does not cover most dental care including dental procedures, supplies, and cleanings. Moreover, it does not cover tooth extractions, dentures, dental plates, and dental devices. However, Medicare Part A will pay for certain dental services while you are a hospital inpatient.

Medicare Advantage Plans

There are many private insurance carriers which offer Medicare Advantage Plans. Since these plans are not standardized, the coverage and benefits vary from plan to plan. Therefore, it’s best to shop advantage plans using a broker who can shop and compare a number of advantage plans. Senior Healthcare Direct is a nationwide Medicare Advantage insurance broker. Our licensed agents can shop Medicare Advantage plans so you can choose the plan that best suits your needs. You can speak directly with a licensed agents by calling 1-855-368-4717

In addition to dental care, Medicare Advantage plans may include other benefits such as routine vision and hearing.

Why Are Dental Checkups Important?

Regular dental checkups are essential to keeping your teeth clean and healthy. When you get dental checkups every 6 months, you reduce the chance of long-term dental problems. For example, professional dental cleanings help to get rid of hard-to-remove plaque or tarter which builds up even with regular at home brushing and flossing.

Dental Exams Decrease Your Risk of Disease

When a dentist catches dental issues early, they can be easier and less expensive to treat. However, letting dental problems linger can result in more complex and expensive procedures. Therefore, regular dental exams can save you money!

Furthermore, regular dental checkups helps prevent cavities and gum disease by removing tarter and plaque buildup. During your dental exam, the dentist checks for a number of issues:

Put a smile on your face with dental coverage
  • Oral cancer
  • Tooth decay
  • Gum Disease
  • Tooth grinding
  • Alignment problems

Moreover, your dentist can detect signs of more than 120 diseases including diabetes and heart disease.

Stand Alone Dental Plans

If you do not need vision or hearing plan, then you might consider a stand alone dental plan. These plans are network based like a PPO. So you get benefits for seeing providers in the network. You will usually pay a copay at the time of service and your insurance will pay a portion of the usual and customary fee for dental services.

What is the Best Dental Plan for Seniors?

Aetna dental plans for seniors is rated as the best overall plan according to The Senior List. Aetna offers a range of dental insurance policies to help keep your teeth in good condition.

The Best Dental, Vision, and Hearing Plan

Manhattan Life Assurance is a stand alone plan that combines dental, vision, and hearing coverage. This plan has no network restrictions. So you can receive care from your favorite dental, vision, and hearing provider. You choose you own dentist, optometrist, and audiologist. Since you can use this plan at any provider’s office, it is the best dental, vision, and hearing plan. In addition, Manhattan Life Assurance plans also include the following benefits:

dental plans for seniors
Get a stand alone dental, vision, and hearing plan
  • Affordable Guarantee issue for all ages 18 – 85
  • Guaranteed renewable for life
  • Family rates includes up to 3 children

Manhattan Life Assurance plan has no waiting period for preventive services. For example, you can get a dental cleaning and x-ray right away. Thereafter, you can receive dental cleanings every 6 months. In addition, there is no waiting time for tooth fillings and extensions.

However, you will need to wait 12 months for major dental work. For example, bridges, crown work, partials, and root canals.

Vision Care

Manhattan Life Assurance vision coverage pays for eye exams immediately. In addition, the plan pays for eye glasses, contact lenses, and frames after 6 months. Since there is no network you choose the optometrist you want.

Plan Costs and Coverage

You only pay $100 annual deductible. Plan coverage improves over time. For example, the plan pays 60% in first year, 70% in second year, and 80% after 24 months. Annual benefit coverage of $1,000 and $1,500 is available. In addition, fully insured hearing benefits are a part of all plans.

Learn More about Dental Vision and Hearing Plans

You can buy a dental plan for seniors today and use it tomorrow! You have the option of choosing from a Medicare Advantage Plan or Stand Alone Plan. Find out which plans are available in your state by calling Senior Healthcare Direct at 1-855-368-4717. Otherwise, you can get a quote by clicking the button below.

dental plans quote

Medicare Supplement Plan F Rates

Medicare Supplement Plan F Rates

Medicare Supplement Plan F rates in 2020 will increase more than normal for a number of reasons. A big reason is MACRA law.

What is MACRA?

MACRA is the Medicare Access and CHIP Reauthorization Act of 2015. This law will become effective January 1, 2020 and will change Medicare supplement plans in all states. MACRA is a federal law that will change who can buy Medigap Plans F, High F, and C. Starting in 2020, only beneficiaries of Medicare who are not newly eligible can keep Plan F, High F and C. In other words, if you are new to Medicare, you will not be eligible for Plan F, High F, and C.

New Medicare Cards

In addition, MACRA law requires the removal of Social Security Numbers (SSNs) from all Medicare cards. As a result, the new Medicare Number (sample shown below) helps to prevent identify theft and taxpayer fraud.

medicare supplement plan f costs
New Medicare Card

MACRA is a value-based program

MACRA law reforms how health care is delivered and paid for. For example, instead of paying providers solely on the number of patients serviced (quantity), value-based programs reward health care providers with incentive payments for the quality of care they give to people on Medicare. Value-based programs provide you with better care. Consequently, this results in healthier populations and lowers the cost of health care. Get more info on value-based programs.

What are the “Newly Eligible” Medigap Plans?

People who will enroll in Medicare for the first time are “newly eligible”. You become eligible for Medicare when you turn age 65, have a qualifying disability or a terminal illness such as end-stage renal disease. In other words, if you already had Medicare Part A and B in 2019, then you are NOT considered “newly eligible” and the MACRA rules do not apply to you. People newly eligible for Medicare in 2020 have the following guaranteed issue plans: Plans D, G, and high deductible G (which is brand new!) Learn more about Medicare Supplement Plans (Medigap).

Is Medicare Supplement Plan F going away in 2020?

Medigap Plan F will not be available for people “newly eligible” in 2020. However, Medicare Supplement Plan F will still be available to existing Medicare enrollees. For example, if you had Medicare Parts A and B on or before 2019, you will still have the option of enrolling in Medigap Plan F. Moreover, according to Robert Bache, owner of Senior Healthcare Direct, “We are going to see record Medicare premium rate increases for Medicare Supplement Plan F in 2020.” Watch MedicareBob’s video below for details:

When you get a big rate increase on Plan F, what can you do?

In the video above, MedicareBob says, “When you do get that increase… You do not have to keep Plan F until October. You are allowed to shop all year long!” In other words, you can shop and save on your Medicare Supplement Plan F anytime in 2020. So when you get that big rate increase on Plan F, the solution is easy. You just click the “Get Quote” button below and one of our licensed agents will give you a call. Furthermore, as MedicareBob says in the video, “Just one agent will give you a call. You are not going to be bombarded with phone calls.” Moveover, “The reason you want to speak to one of our agents is we are licensed with all the top Medicare companies. So we will help you get the most cost effective Medicare Supplement plan for 2020.”

Click the “Get Quote” button below and save money on your Medicare Supplement plan.

medicare supplement plan f costs
Medicare Supplement Rates Raleigh NC

Medicare Supplement Rates Raleigh NC

The Skycrest Bridge in Raleigh, North Carolina

Medicare rates in Raleigh NC
Senior Healthcare Direct – Your Bridge to Medicare savings

Photo of Skycrest Bridge over the Neuse River reviewed on as “One of the Best Things to do in Raleigh”. This bridge is part of the Neuse River Trail, 27.6 miles of paved trail, great for hiking, biking, and walking. The second best thing to do in Raleigh is save money with lower Medicare supplement rates in NC.

Save Money with MedicareBob

Robert Bache, aka MedicareBob owner of Senior Healthcare Direct, will be sharing Medicare supplement rates in Raleigh, NC. MedicareBob and his agents assist people with their Medicare Supplement insurance nationwide. In this episode of Rate Watch Wednesday, MedicareBob looks at rates for Medicare Supplement plan G. You will find out how little plan G cost for seniors in Raleigh. To be clear, the letter of the supplement plan determines the coverage, not the carrier.

Plan G is MedicareBob’s favorite plan for 2020 and he calls it the “Greatest Value”. Plan G is so good because it allows you to go to any doctor and any hospital in the country which accepts Medicare. Unlike an HMO or PPO you are not restricted to a network. It pays all your hospital and medical bills including the 20% coinsurance that original Medicare does not pay.

With plan G you pay $198 Part B deductible in 2020 and the monthly premium. This is all you pay for Medicare approved services. MedicareBob will show you Medicare supplement rates for seniors age 65, 70, and 75 in Raleigh, NC.

Medicare Supplement Rates in Raleigh, NC

Watch this video and see the lowest quotes for supplement plan G in Raleigh, NC. For example, you will see quotes for top A-rated carriers including Heartland National, Aetna, Western United, GPM, Mutual of Omaha (United World), Cigna, and more.

How MedicareBob Saves You Money

When you view the quotes in the video above, you will notice different insurance carriers quotes different premiums for the same Medicare supplement plan G. However, the benefits of plan G remain the same no matter what price you pay. Senior Healthcare Direct can find you an insurance carrier for less than you are paying now. As a result, you can keep the same Medicare benefits of plan G, but pay less for your plan. This is how MedicareBob saves you money!

It is easy to shop and save on Medicare insurance. Click the quote button below for your free Medicare quote. You can get more North Carolina Medicare Supplement rates.

Medicare For All Plan - Biden, Warren, Sanders

Medicare For All Plan – Biden, Warren, Sanders

Medicare For All Plan – Biden, Warren, Sanders

Which Medicare For All plan would you vote for? We’ll take a close look at each democratic candidate’s healthcare plan: Joe Bidden, Elizabeth Warren, and Bernie Sanders. Visit our Facebook page and let us know which plan you would vote for.

Medicare For All
Biden, Warren, and Sanders: Which healthcare plan do you support? Tell us on Facebook.

Bernie Sander’s Medicare For All Plan

Bernie Sander’s plan is to make a health care a human right. Bernie’s plan specifically says the “United States will join every other major country on earth and guarantee healthcare to all people as a right. All Americans are entitled to go to the doctor when they are sick and not go bankrupt after staying in the hospital.”

Bernie’s Key Points

  • Create a Medicare for All, single-payer, national health insurance program to provide everyone in America with comprehensive health coverage, free at the point of service.
  • No networks, no premiums, no deductibles, no copays, no surprise bills… Medicare to include dental, hearing, vision, and home- and community- based long-term care, in-patient and out-patient services, mental health and substance abuse treatment, reproductive and maternity care, prescription drugs, and more.
  • No one in America pays more than $200 a year for the medicine they need by capping what Americans pay for Medicare for All.
  • Allow patients, pharmacists, and wholesalers to buy low-cost prescription drugs from Canada and other industrial countries with the Affordable and Saft Prescription Drug Importation Act.

As president, Bernie Sander’s Medicare For All plan in the first year is to lower Medicare eligibility from 65 down to 55 years of age. Watch Bernie’s video:

Elizabeth Warren Medicare For All Plan

Elizabeth Warren’s plan is to reduce healthcare costs in America and transition to Medicare For All. In addition, Warren defends Medicaid and the Affordable Care Act. Elizabeth supports Medicare for All. However, Warren’s plan provides no timeline for implementing Medicare for All. In general, she wants to provide all Americans with a public healthcare program. Warren’s plan gives every single person in this country a guarantee of high-quality healthcare. In particular, Warren’s healthcare plan covers everybody and nobody goes broke because of medical bills. Watch Warren’s present the details of her Medicare for All plan in the video below:

Warren’s Plan to Pay for Medicare for All

Warren’s Medicare for All health care plan is the first to layout the full cost and how to pay for it. Her plan does not raise middle-class taxes by one penny. She says, “If we make no other changes over the next ten years, Americans will reach into their pockets and pay out about 11 Trillion dollars on insurance premiums, copays, deductibles, and uncovered medical expenses. Warren’s plan reduces these costs to zero. Sort of like an 11 Trillion tax break! So we have two choices: we can maintain the status quo or choose Medicare For All.

Warren medicare for all plan
Embed and Download Warren’s Medicare For All Plan infographic

Warren says, “You might be asking how can we possibly provide better coverage to more people for less money?” First, Warren says, “Under Medicare For All, we reign in the corruption, the waste, inefficiency, and corporate profiteering. That is money we can save and spend on actual care. So we pay less overall for health care to get more real health care coverage.”

Second, Warren’s plan changes the structure of who pays for healthcare in America, and how. Warren says, “We will take the $11,000,000,000,000 projected out-of-pocket health care costs over ten years and make that number zero. No more premiums, copays, deductibles, or out-of-network bills. For middle class families, that means thousands of dollars back in your pocket every year.”

Who Pays For Warren’s Medicare For All Plan

Under Warren’s plan existing federal and state spending (Medicare, Medicaid) stay the same. No new taxes or costs for the middle class. Warren says, “You are already done paying into Medicare and Medicaid. Business costs stay about the same – they will pay Medicare instead of private insurers.” For more Medicare information visit our Medicare Blog.

Furthermore, Warren says, “We will cover the rest of the costs with new taxes on the financial industry, big corporations, and the top 1%. We crack down on tax evasion and fraud by the wealthy and big corporations. So for the top 1%, they are going to have to pay their fair share. Moreover, corporations are finally going to have to pay the taxes they are meant to pay just like everyone else.

That is Elizabeth Warren’s Medicare for All plan. It covers everyone. It is fully paid for. Moreover, independent economist have verified it is doable. All it takes is the courage to fight for it.

Warren says, “Insurance companies and drug companies will spend tens of millions of dollars in political contributions and disinformation campaigns to try and keep tens of billions of dollars in profits flowing into themselves. That is corruption – plain and simple. We have to call it out and we have to fight back against it. Because like any big idea, you do not get what you do not fight for. We need a health care system that recognizes that health care is a human right.” Warren will fight to get it done.

Joe Bidden Obama Care Plan

In the first Democratic debate in Miami, the question was asked, “Do we support eliminating private health insurance?” Biden said, “Absolutely not.” Therefore, Joe Bidden does not support Medicare For All. Joe Biden believes, “We need to protect and build on Obama Care”. Biden proposes a public option to Obama Care as, “the best way to lower costs and cover everyone.”

Joe Biden does not support Medicare for All because it gets rid of Obama Care. As President, Joe Biden, plans to promote and build upon Obama Care. Watch Joe’s video below.

Medicare Annual Wellness Equals Prevention

Medicare Annual Wellness Visit

Medicare Annual Wellness Visit

Medicare Annual Wellness Visit (AWV) is a yearly appointment with your primary care provider (PCP) to develop or update your personalized prevention plan. The AWV helps you prevent disease and disability based on your current health and risk factors.

Annual Wellness Visit is FREE

medicare annual wellness visit

Medicare will pay for your Annual Wellness Visit (AWV) when the following is true:

  • It have been 12 months or longer since your last AWV. Otherwise,12 months since your Initial AWV also called Welcome to Medicare Visit
  • During this 12 month period you have had Medicare Part B

If you qualify, Medicare Part B covers your AWV at 100% of the Medicare-approved cost. Moreover, there is $0 deductible. So you do not pay the $198 Part B deductible in 2020. Therefore, you pay nothing (no deductible and no coinsurance).

However, if you AWV uncovers the need to investigate or treat a new or existing problem, Medicare may bill you for any diagnostic care.

Your First Annual Wellness Visit

Your first AWV maybe your Welcome to Medicare Visit if it occurs within the first 12 months of enrolling in Medicare Part B. During your initial visit, your primary care physician will cover the following:

Health Risk Assessment – you fill out the form show on the right. The health assessment includes the following:

  1. General HealthTobacco and Alcohol Use
  2. Nutrition
  3. Physical Activity
  4. Sleep
  5. Functional Status Assessment
  6. Pain Assessment
  7. Home/Safety
  8. Depression

Provider Consultation – reviews your Health Risk Assessment and addresses the following:

  • Psychosocial risks
  • Behavioral risks
  • Activities of Daily Living
  • Establish list of current providers and suppliers
  • Establish your medical/social and family history
  • Physical Exam includes your height, weight, body mass index, blood pressure, visual acuity, and other factors based on your assessment
  • Establish or detect any cognitive impairment you may have

Personalized Prevention Plan – a list of risk factors and conditions for which primary, secondary, and tertiary interventions are recommended. In addition, you will be furnished personalized health advice and referrals, as appropriate, to health education or preventive counseling services or programs such as:

  • Alcohol misuse counseling
  • Obesity counseling
  • Tobacco use cessation counseling
medicare annual wellness visit health risk assessment
visual acuity testing
medicare annual wellness visit AWV

Your Subsequent Annual Wellness Visits

After your initial AWV, you can follow-up for FREE every 12 months. Health conditions changer over time. Therefore, it is in your best interest to visit your primary care physician on an annual basis. Here is what you can expect during your subsequent AWV:

  • You can update your medical/family history
  • In addition, you can update the list of current providers and suppliers who provide you with medical care.
  • Check your weight (or waist circumference), blood pressure, and other routine measurements
  • Detection of any cognitive impairment
  • Updates to your personalized prevention plan
  • Receive personalized health advice and referrals to health education, preventive counseling, and programs

How to Make An Annual Wellness Appointment

The Washington Post published an article about a lady on Medicare named Beverly Dune. She, “called her primary care doctor’s office to schedule an annual checkup, she assumed her Medicare coverage would pick up most of the tab. The appointment seemed like a routine physical, and she was pleased that the doctor spent a lot of time with her. Until she got the bill: $400.”

It is very important that when you call your doctor to make an appointment use the words, “annual wellness visit.” Otherwise, if you use the words, “Annual Physical” the visit can cost you $400! A physical exam is more comprehensive than a wellness visit. For example, a physical is a full-body examination where the doctor exams your head, neck, lungs, abs, reflexes and neurological responses. In addition, physicals usually include blood and urine lab testing. Therefore, make sure you use the words “annual wellness visit” when you schedule your doctor’s appointment.

Medicare Drug Plan

Medicare Drug Plan

Change Your Medicare 2020 Drug Plan Today

medicare 2020 drug plan

You can get the Medicare drug plan you want in 2020! Here’s the big Medicare Part D and update: During the last 2019 Annual Enrollment you may have used the new Plan Finder which was rolled out in October 2019. Unfortunately, there were a lot of errors with this new Plan Finder. Our agents at Senior Healthcare Direct were one of the first to realize that a lot of data from plan finder was not adding up. For example, the Plan Finder did not match up with the carriers.

Helping You Get The Right Drug Plan

To help our clients, we cross referenced and the carrier information. As a result, we helped our clients get the right drug plan. However, other Medicare agencies or individuals who did not know ended up enrolling in the wrong plan. Consequently, there have been a lot of complaints to Medicare. Because there were enough complaints, Medicare opened up a new Special Enrollment Period. So if you used plan finder in 2019 and chose the wrong 2020 drug plan because the information provided was inaccurate, you can change your drug plan. Therefore, you do not have to wait until October 2020. You can get a new drug plan today! Watch the video below for more details.

You Can Change Your Medicare 2020 Drug Plan

MedicareBob, owner of Senior Healthcare Direct, breaks the news about Medicare Plan Finder inaccurate information and how you can change your drug plan today. Watch the video to get more details and learn what to say when you call Medicare to change your drug plan.

MedicareBob’s Big 2020 Announcement

How to Change Your Drug Plan

You can make changes to your Medicare Advantage or Medicare Part D plan. If you made the wrong plan choice because of inaccurate information on the Plan Finder, call 1-800-MEDICARE and explain your situation. For other special circumstances, such as you move or lose other insurance coverage, visit

You can also use our Drug Plan Finder form to enter all your prescription drugs and we can help you find a drug plan that is right for you.

North Carolina Medicare Supplement MedicareBob

Medicare Supplement Plan G

Medicare Supplement Plan G in Charlotte, North Carolina

MedicareBob, owner of Senior Healthcare Direct, along with his team of licensed agents assists people nationwide with Medicare insurance. This includes Medicare Advantage Plans, Medicare Supplement Plans (Medigap), and original Medicare Part A and Part B.

In this Rate Watch Wednesday video, MedicareBob will look at what Medicare Supplement Plan G costs in Charlotte, North Carolina. Residents of North Carolina live in a very Medigap friendly state with very affordable supplement premiums. For 2020, MedicarBob recommends supplement plan G. He call this plan the Greatest value! This plan will allow you to keep you doctors and go to any hospital nationwide. Moreover, your maximum out of pocket is Medicare Part B deductible of only $198 in 2020. So after you pay $198, plan G pays all your bills for Medicare-approved services. The standard monthly premium for Part B is $144.60 in 2020. However, if you yearly income in 2018 was more than $87,000 then your premium will be more. For more info, visit Part B cost on

Watch this video to see how little plan G costs in Charlotte, North Carolina.

In this video, you saw MedicareBob run quotes in local zip codes of Charlotte, North Carolina. This is the same quoting tool used by licensed agents at Senior Healthcare Direct. So give us a call at 1-855-368-4717 and a friendly, licensed agent will enter you specific info to get you an exact quote. By speaking with a licensed agent, we will find the most cost effective supplement plan G for you.

Medicare Supplement Plan G
MedicareBob quotes North Carolina

How to Save Money on Plan G

Senior Healthcare Direct provides you with quotes from top A-rated carriers in Charlotte, NC. For example, some of the carriers you may know: Heartland National, Aetna, Western United, GPM, Mutual of Omaha (United World), and Cigna. These carriers offer different prices. However, the Medicare benefits are the same no matter which carrier you choose. So shop and save today by calling 1-855-368-4717 or get your quote.

You can get more North Carolina Medicare Supplement rates.