When Medicare Covers Oral and Maxillofacial Surgery
In most cases, Original Medicare Part B does not cover dental services like cleanings, fillings, extractions, bridges, or dentures. Medicare Part C (Advantage Plans) often covers routine dental...
View ArticleInsurance Covering Tooth Implants Up To 100% Immediately
First, here is some good news. Your medical insurance might cover all dental implant costs. Benefits start right away, with no exclusions for preexisting conditions. There are no additional premiums,...
View ArticleWhy Buy A Supplemental Short-Term Disability Policy
The Merriam-Webster dictionary defines supplemental as being available to supply something extra when needed. Supplemental short-term disability insurance is available to supply extra income protection...
View ArticleShort-Term Disability Denial Reasons: Coverage & Claims
Lack of coverage is the primary short-term disability disqualifier. Hundreds have asked us how to apply for benefits, thinking the government had a program replacing lost wages. But this belief is...
View ArticleWhen Pregnancy Medicaid Covers Dental & Vision Services
Pregnancy Medicaid has higher income limits. This rule lets more women get temporary coverage for at least two months after giving birth. Forty-six states offer coverage for twelve months postpartum....
View ArticleGovernment Dental Implant Grants Are Not Real: Benefits Are
The federal government does not award grants directly to individuals. Instead, the money flows to state agencies, non-profits, and universities to foster a public good. Therefore, direct government...
View ArticleGovernment Programs Fuel Emergency Loans for Unemployed
If you are unemployed and need emergency cash immediately, a personal loan might help if you can qualify. However, getting approved for a loan without a job is not easy. Lenders want to see a reliable...
View ArticleShort-Term Disability in Louisiana: Eligibility & Forms
Louisiana does not offer short-term disability insurance for non-work accidents and illnesses, unlike some other states. You need to buy a policy from a private insurer before you get sick, injured, or...
View Article6 Monthly Payment Plan Options for Orthodontic Braces
If parents do not have dental insurance for braces, they must pay all orthodontic costs for their teens. Families with dental insurance for braces might still pay 75% of the costs. Coinsurance and...
View ArticleOrthodontic Braces Down Payment With & Without Insurance
When considering dental braces, a key cost is the down payment needed to start treatment. This first cost can vary greatly depending on whether you have dental insurance. With insurance, the down...
View ArticleHow To Get Medical Insurance To Cover Orthodontic Braces
Many patients with crooked teeth lack dental plans with orthodontia coverage. However, most have health insurance through private companies or Medicaid. Figuring out how to get braces covered by...
View ArticleDental Implant Out-Of-Pocket Costs After Insurance Pays
Patients with missing or decayed teeth should estimate the costs of dental implants that insurance does not cover. Those with existing coverage might find their plan pays 0% to 50% of the allowed...
View ArticleCredit Score Needed For Car Loan Without A Cosigner
Do you want to know the credit score needed for an auto loan without a cosigner? A cosigner takes full responsibility for paying back an auto loan. You must meet higher standards without a cosigner. A...
View ArticleBuying a House: Which Credit Bureau Matters Most?
One credit bureau might be key to your success when buying a house. A bureau might report negative items you can remove or miss positive entries you can add. Mortgage companies consider reports and...
View ArticleFederal Home Improvement & Repair Benefit Qualifications
Only specific people in rural areas can get free government grants to fix or improve their homes. The federal government does not award grants to individuals or families. The money goes to states,...
View ArticleTop Short-Term Disability Options for Self-Employed
Buying short-term disability insurance when self-employed is tricky. The best coverage is available through large groups. The insurance company can pool risks with others. Pooling allows for lower...
View ArticleCalculate Your Short-Term Disability Monthly Premium Cost
The average premium for short-term disability insurance is about $86 per month for a person earning $41,600 annually. The rates can change based on your policy features like monthly amount, elimination...
View ArticleMedical vs. Dental: Who Pays for Wisdom Teeth Removal?
Understanding insurance coverage for wisdom tooth removal can be challenging. Is it a dental issue, or does it fall under medical insurance? The answer is often unclear, but knowing the details can...
View Article4 Cosmetic Dental Procedures Your HSA Might Cover & Why
Generally, you cannot use your Health Savings Account (HSA) to pay for cosmetic dentistry. However, every rule has exceptions. You can use your HSA to pay for necessary dental work. The treatments must...
View ArticleDental Implants: A Guide to Medical Insurance Coverage
If medical insurance covers dental implants, your proposed treatment plan will be more affordable. Many patients lack dental coverage or have limited benefits due to yearly caps and exclusions for...
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