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Shopping Mall: Cheap Insurance : Auto Insurance, Health Insurance, Dental Insurance, Life Insurance, Term Life Insurance, Car Insurance

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HEALTH INSURANCE

eHealthInsurance

eHealthInsurance has now established over 140 Carrier Relationships, with over 4,000 health insurance plans on our site, covering 99% of the U.S. Population, now representing over 95% of the US Market Share for online health insurance sales. eHealthInsurance is the leading source of health insurance for individuals & families both on and offline across the country!
Find the largest selection of health plans to be found anywhere in a single location, with FREE instant quotes, side-by-side plan comparisons, online applications and a knowledgeable Customer Care team to help your visitors find the plan that is right for them.

In addition to featuring the largest selection of major medical health plans from leading companies, eHealthInsurance also offers a wide selection of quality dental plans. You can obtain FREE instant quotes, side-by-side comparisons, the best available prices, online applications, and a knowledgeable Customer Care team to help you find the plan that is right for you.

DENTAL INSURANCE

  • Affordable Dental Plans - FREE Instant Quote! - NEED Dental Insurance?
    • Choose and compare leading plans and companies. Apply and buy online. Affordable coverage for preventive, basic and major services. Best Prices and Live Help! Check out eHealthInsurance today!
    • Reducing your family's dental expenses has never been easier. As a licensed dental insurance agent, we are here to help you find the perfect dental insurance plan.
    • Best prices - and our service is free to you

      The health insurance premiums on our website come directly from the health insurance carriers and are filed with and regulated by the Departments of Insurance in each state. As a result, the rates you get on our site are the same as those offered by other insurance agents and brokers. eHealthInsurance provides a free service to consumers and does not add any fees to the carrier's rates and fees. No one else can offer a lower premium for the same insurance plans on our site.

    • Coverage for preventive, basic and major services
    • Short, simple and secure online applications
    • Over 100 customer care representatives to ensure your satisfaction
    • eHealthInsurance offers a wide selection of quality dental plans, FREE instant quotes, side-by-side comparisons, best available prices, online applications and a knowledgeable Customer Care team to help you find the plan that is right for you.

 

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Introduction

Health Savings Accounts are great news for Americans!

The U.S. Congress recently passed legislation which makes paying for medical expenses much more affordable for consumers. As of January 1, 2004, the new law provides broad access to Health Savings Accounts, which allow consumers to pay for qualified medical expenses with pre-tax dollars (income-tax free!) and save for retirement on a tax-deferred basis.

 

What is an HSA?

A Health Savings Account (HSA) is a tax-favored saving account that is used in conjunction with a high-deductible HSA-eligible health insurance plan to make healthcare more affordable and to save for retirement.


HSAs are similar to IRAs, but even better:
  Pre-tax money is deposited each year into an HSA and can be easily withdrawn at any time with no penalty or taxes to pay for qualified medical expenses . Withdrawals can also be made for non-medical purposes, but will be taxed as normal income and are subject to a 10 percent penalty if done prior to age 65.
  Any HSA funds not used each year remain in the account, and earn interest tax-free to supplement medical expenses at any time in the future.
  Like an IRA, the account belongs to you, not your employer. But unlike an IRA, your employer CAN contribute to your HSA.

 

Why should I get an HSA?

You can save money in the short and long term by:
  Deducting 100% of your HSA contributions from your taxable income
  Having the money in your HSA accrue interest and/or gains on a tax-free basis
  Paying no penalties or taxes when you use your HSA to pay for qualified medical expenses
  Having a high-deductible HSA-eligible health insurance plan , which typically has a lower premium than a plan with a lower deductible

Note: Some HSAs charge a small monthly maintenance fee.

 

What are qualified medical expenses?

HSAs can be used to pay for many types of medical expenses, even some that are often excluded on health insurance plans. These include:
  Health insurance plan deductibles, copayments, and coinsurance
  Prescription and over-the-counter drugs
  Dental services, including braces, bridges, and crowns
  Vision care, including glasses and lasik eye surgery
  Psychiatric and certain psychological treatments
  Long-term care services
  Medically-related transportation and lodging

Typically HSAs cannot be used to pay health insurance premiums, although there are exceptions for:
  Health insurance premiums if you are receiving federal or state unemployment benefits
  Premiums for COBRA qualified health insurance
  Long-term care insurance premiums
  Premiums for a health plan (other than a Medicare supplemental policy) for an individual age 65 or older

Note: You must establish an HSA before incurring any expenses or the expenses will not qualify.

 

What insurance plans are HSA-eligible?

In order to have a Health Savings Account, you must get an HSA-eligible health insurance plan. This type of insurance plan is often referred to as a High Deductible Health Plan, and is typically less expensive than plans with lower deductibles.

A health insurance plan must meet the following criteria to be considered HSA-eligible:
  The health insurance plan must have an annual deductible of at least $1,000 for individuals and at least $2,000 for families.
  The sum of the annual deductible and the other annual out-of-pocket expenses required to be paid under the plan (other than premiums) does not exceed $5,000 for individuals and $10,000 for families.

To make things easy for you, our site identifies the HSA-eligible plans with the HSA symbol
 

NOTE: If you have other health insurance coverage (such as coverage under a spouse's employer-sponsored plan) in addition to your HSA-eligible health insurance plan, then the other plan must 1) also be HSA-eligible in order to contribute to an HSA or 2) the other plan cannot cover any benefits provided under your HSA-eligible plan.

How much can I contribute to my HSA?

Maximum yearly contributions (and associated tax deduction) are determined as follows:
  For individuals, it is the lesser of:
a) $2,600
b) Your health plan's annual deductible*

  For families, it is the lesser of:
a) $5,150
b) Your health plan's annual deductible*

You do not have to contribute the maximum each year, although some HSAs require a small minimum monthly contribution.

Note: If you are between the ages of 55 and 65, you can make an additional annual "catch up" contribution (of up to $500 in 2004.)

*If you enroll in an HSA-eligible health plan in the middle of the calendar year, your maximum contribution for the first year will be prorated based on the number of months you have the HSA-eligible health plan. For example, if your individual health plan's annual deductible is $3600, and you enroll in the HSA-eligible plan on June 1st, then your maximum contribution for the first year can be up to $2100 (i.e. 7/12 of $3600). If you are enrolled for all twelve calendar months, then you can contribute the amount of the deductible up to the annual maximum allowed ($2600 in Year 2004).
Is my money safe?

Funds in an HSA are held in a trust and are administered by a bank, insurance company, or other approved Trustee.

Funds in your HSA are invested at your discretion. Typically an HSA will allow you to choose from the following options:
  Interest-bearing account
  CDs
  Money market funds
  Mutual funds

If you are looking to minimize your investment risk, you may want to consider an interest-bearing account; these accounts are FDIC insured. On the other end of the spectrum, mutual funds may provide a greater return, but are more risky, and are not FDIC insured.

 

How do I use the funds in my HSA?

Using funds in your Health Savings Account is easy:
  Typically an HSA will provide you with a checkbook or debit card. When you pay for a qualified medical expense , use the debit card or check to make the payment.
  You do not need to get approval from the HSA administrator when you use funds in your account.
  You do not need to submit receipts to the HSA administrator, although you should save them just as you keep receipts for other items that are deducted from your taxes.

NOTE: You must establish the HSA before you incur medical expenses otherwise the expenses will not qualify.
How do the tax savings work?

HSAs make it easy to save on your taxes:
  At the end of each year, you will be sent a statement showing the amount you contributed to your HSA that year. You can deduct this amount provided it is less than or equal to the maximum allowable contribution .
  Much like an IRA, HSA deductions are "above-the-line" and thus can be taken even if you do not itemize.
  If you are self-employed, in addition to deducting your HSA contributions, you may be able to deduct 100% of your health insurance premiums, provided that:
  You are not eligible to participate in a subsidized health plan offered by an employer or your spouse's employer.
  The deduction does NOT exceed the amount of net income from your business.

 

Why should I get my HSA through eHealthInsurance?

  We offer a broad selection of plans, which makes it easy for you find a health insurance plan that fits your particular needs.
  We clearly identify the HSA-eligible health insurance plans so that you won't select an insurance plan which is not eligible.
  We make signing up easy by having you fill out the health insurance application and the HSA enrollment form as part of one simple online process.
  We offer some of the lowest fees available for HSAs.

 

How can I get an HSA?

HSAs are available to any person in the U.S. under the age of 65 who has an HSA-eligible health insurance plan .

So, to get an HSA, you need to do the following:


1. Select an HSA-eligible health Insurance Plan

2. Fill out the online health insurance application

3. Complete the online HSA enrollment form


IT'S EASY!

1) Use our site to shop for an HSA-eligible health insurance plan. These plans are identified with HSA symbol
 
 
2) Start the online health insurance application process by clicking the "Apply" button for the insurance plan you select.
 
3) After completing the health insurance application process, fill out the HSA enrollment form that we will present to you online.

The information above is provided for general purposes only and is not tax advice. eHealthInsurance urges you to consult with your accountant or tax advisor before opening a health savings account to determine if it is appropriate specifically for you.

 

 

Things to Consider

What is the best health insurance plan for me?

Choosing a health plan can be a confusing experience. Although there is no one "best" plan, there are some plans that will be better than others for you and your family's health needs. We will try to guide you in simple terms. However, rather than just giving you answers, the best thing we can do is to make sure you are equipped with the right questions. The following can help you make sense of all your health care choices and options:

There are three major things to consider, each with their own unique set of questions. By considering the questions thoroughly, you will arrive at the right plan for you and your family.
  1. How affordable is the care (cost of care)?
    • How much will it cost me on a monthly basis?
    • Should I try to insure just major medical expenses or most of my medical expenses?
    • Can I afford a policy that at least covers my children?
    • Are there deductibles I must pay before the insurance begins to help cover my costs?
    • After I have met the deductible, what part of my costs are paid by the plan?
    • If I use doctors outside a plan's network, how much more will I pay to get care?
    • How often do I visit the doctor and how much do I have to pay at each visit?

  2. Do the included services match my needs (access of care)?
    • What doctors, hospitals, and other medical providers are part of the plan?
    • Are there enough of the kinds of doctors I want to see?
    • Where will I go for care? Are these places near where I work or live?
    • Do I need to get permission before I see a medical specialist?
    • Are there any limits to how much I must pay in case of a major illness?
    • Is the prescription medication which I need covered by the plan?
    • Does the plan cover the expenses of delivering a baby?

  3. Have people had good results when covered by a specific plan (quality of care)?
    • How do independent government organizations rate the different plans?
    • What do my friends say about their experience with a specific plan?
    • What does my doctor say about their experience with a specific plan?
Q) What is the best dental plan for me?

Although there is no one "best" dental plan, some plans will be better than others for you and your family's dental needs. Plans will primarily differ in how much you have to pay. Although no plan will pay for all the costs associated with your dental care, some plans will cover more than others.

With any dental plan you will pay a basic premium, usually monthly, to buy the dental insurance coverage. In addition, there are often other payments you must make. These payments will vary by plan but essentially are deductibles, copayments, and coinsurance.

Here's a list of key questions to consider in selecting the plan that best meets your needs:
  • How much will it cost me on a monthly basis?
  • Are there deductibles I must pay before the insurance begins to help cover my costs? After I have met the deductible, what part of my costs are paid by the plan?
  • What dentists are part of the plan? Are there enough of the kinds of dentists I want to see?
  • Where will I go for care? Are these places near where I work or live?
  • If I use dentists outside a plan's network, how much more will I pay to get care?
  • Are there any limits to how much I must pay in case of major illness? What about limits and deductibles for certain types of care such as surgery or maternity?


Q) How do I compare dental plans?

You can compare benefits and prices of different plans on the "Step 2: Compare Dental Plans" page. You can view details of benefits for each plan by clicking "Plan Details."


Q) If I have questions while completing an application, how can I reach you?

You can chat online with our service representatives between 8:00am and 5:00pm PT by clicking the Chat button at the top of the page. You can also call us : Mon-Fri 6am - 5pm PT.

 
Q) How can I be sure that my data is kept secure and private?

At eHealthInsurance, we are committed to protecting your privacy. eHealthInsurance will NOT SELL, TRADE or GIVE AWAY your personal information to anyone, except those specifically involved in the referral or processing of your dental insurance quote or application. Additionally, we use industry leading technologies to ensure the SECURITY of the information under our control.




Q) What types of dental plans are available to me?

Dental insurance plans usually are described as either indemnity (fee-for-service) or managed care. Indemnity and managed care plans differ in their basic approach. Put broadly, the major differences concern choice of providers, out-of-pocket costs for covered services, and how bills are paid. Usually, indemnity plans offer more choice of dentists than managed care plans. Indemnity plans pay their share of the costs of a service only after they receive a bill. Managed care plans have agreements with certain dentists to give a range of services to plan members at reduced cost. In general, you will have less paperwork and lower out-of-pocket costs if you select a managed care-type plan and a broader choice of dentists if you select an indemnity-type plan.

Managed care plans are Dental PPOs, POSs, and Dental HMOs (DHMOs).

Q) What is a Dental PPO, POS, and DHMO?

A Dental PPO (Preferred Provider Organization) provides dental care to its members through a network of dentists who offer discounted fees to its plan members. You can typically use dentists out of the PPO's network, but you will only be reimbursed the discounted fee for the services rendered - you will need to pay any additional amount yourself.

A DHMO (Dental Health Maintenance Organization) provides you dental services through a network of providers in exchange for some form of prepayment. If you use a dentist out of the established network of providers, you may be responsible for paying the entire bill.

A Dental POS (Point of Service) plan allows a member to use either a DHMO network dentist or to seek care from a dentist not in the HMO network. Members choose in-network care or out-of-network care at the time they make their dental appointment and usually incur higher out-of-pocket costs for out-of-network care.

Q) What is an Indemnity Plan?

An indemnity plan is commonly known as a fee for service or traditional plan. If you select an Indemnity plan you have the freedom to visit any dentist. You do not need referrals or authorizations; however, some plans may require you to precertify for certain procedures. Most indemnity plans require you to pay a deductible. After you have paid your deductible, indemnity policies typically pay a percentage of "usual and customary" charges for covered services; often the insurance company pays 80% and you pay 20%. Most plans have an annual out of pocket maximum and once you've reached this they will pay 100% of all "usual and customary" charges for covered services.

Many dental indemnity plans also require a waiting period before covering certain services.

 
Q) What is an office visit copayment or coinsurance?

An office visit copayment is a fixed dollar amount or a percentage that you pay for each dentist visit or for each dental service provided. For example, with some plans you may pay a fixed amount such as $5 or $10 per visit. Other plans will charge you a percentage of the total fee - or coinsurance -- for the visit. So if your copayment is 10% and the dentist visit was $200, you would pay 10% which, in this case, would be $20.

Q) What is a deductible?

A deductible is the amount of annual dental expenses that a dental plan member must pay before the plan will begin to cover expenses. For example, if your plan has a $50 deductible, you will pay the first $50 of your dental expenses before your dental plan begins paying the expenses. Only expenses for covered services apply towards the deductible. For example, if you paid $1,000 for orthodontic work that was not an expense covered by the plan, then the $1,000 will not apply toward your annual deductible.

Q) What is the difference between an in-network and an out-of-network dentist?

An in-network dentist is within the approved network of dentists for a particular dental plan. Out-of-network dentists are not on the list. If you visit a dentist within the network, the amount you will be responsible for paying will be less than if you go to an out-of-network dentist. In many cases, the insurance company will not pay anything for services your receive from dentists outside their network; however, there are exceptions to this.

As a general rule, Dental PPOs, POSs, and DHMOs have provider networks. Indemnity plans typically do not have networks; you go to whatever dentist you want.

Q) What are my options for making payment?

When you apply online through our site, you can make your premium payments by authorizing automatic credit card charges. Normally, your credit card will not be charged nor will your check be deposited until you have been approved. If you are not approved for coverage by the insurance company, your money will be refunded by the insurance company. Any financial information submitted over the web is kept private and secure. Once accepted as a plan member, all bills will be sent from the dental insurance company.

Q) Can I buy dental insurance for less if I buy directly from the insurance company?

No. Insurance companies charge the same premium whether the plan is purchased directly from the company, through a broker, or online through eHealthInsurance.

 
Q) What do you mean by best price?

For the plans presented here we can provide the lowest price available anywhere.

Q) Where are the other dental plans I am familiar with?

Not all dental plans sell dental insurance directly to individuals and families. Many, like Delta Dental and Aetna, provide insurance predominately through employers.

Q) I noticed that you do not offer dental insurance in my state. When will it be available in my state?

We are currently rolling out the service throughout the US.

 

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Shopping Mall : Cheap Insurance : Auto Insurance, Health Insurance, Dental Insurance, Life Insurance, Term Life Insurance, Car Insurance

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Shopping Mall: Cheap Insurance : Auto Insurance, Health Insurance, Dental Insurance, Life Insurance, Term Life Insurance, Car Insurance

Shopping Mall Topics: Cheap Insurance : Auto Insurance, Health Insurance, Dental Insurance, Life Insurance, Term Life Insurance, Car Insurance