About 6 million people here in the United States live with bipolar disorder or manic depression. If you have bipolar disorder, you probably think that you can’t obtain burial insurance. That is simply not true. Sure, there might be life insurance carriers that decline you, but there others that won’t. You just need to know where to look. In this article, we discuss affordable burial insurance for people with bipolar disorder. We first discuss burial insurance underwriting, how it is different than traditional underwriting, and then discuss your options for burial insurance if you have bipolar disorder.
You put off purchasing dental insurance for awhile now. But, your bicuspid fell out. Now you need to get that fixed. You just purchased dental insurance and go to the dentist. Your dentist is in the plan’s network, and that makes you feel good. However, you turn upset when the office manager informs you that your partial bridge won’t be covered. The reason, she tells you, is because of a “missing tooth clause” with your dental insurance. You’ll have to pay 100% of the cost of your tooth replacement. In this article, we discuss the missing tooth clause and how to avoid it.
You feel you need a lot of dental work. Maybe you went to the dentist, and he or she indicated several recommended, expensive procedures. Or, many of your friends have had dental work done recently. They described the high-out-pocket costs. Hearing this nearly made your jaw drop! They mentioned they “max’d out” or went over their carrier’s annual benefit limit. Whatever the case may be, you want high benefit dental insurance. You want protection.
It’s common nowadays. Your dentist is out of network. We will explain what that means next. However, you are paying monthly premiums and are paying a lot out of pocket. But, you like your dentist. You don’t want to go through the hassle of switching to another one. You don’t have to. In this article, we discuss options to manage your out of network dentist costs.
You know how important dental health is to your overall health. Even the Mayo Clinic discusses the connection between proper dental and oral health to your overall health. Keeping your teeth and gums healthy costs money. Traditionally, dental insurance helps pay for these costs. Affordable dental insurance is especially important for seniors on Medicare who are on a limited or fixed income. However, a search of “senior dental insurance” on Google leads to mixed results. Some pages direct you to a one-option solution. Others describe discount dental plans. (which could work). And, others describe a solution that you can go to any dentist, but what they fail to tell you is that you could face higher out-of-pocket costs than if you went to an in-network dentist.
Making a mistake here can cost you serious money, especially for seniors who can’t afford to make mistakes. In this article, we discuss senior dental insurance mistakes.