Kris.R
New Member
Are there any caveats to this? Just want to make the right choice. Also if it helps, I’m in California.
Follow along with the video below to see how to install our site as a web app on your home screen.
Note: This feature may not be available in some browsers.
LifeShield does if you've had your current plan for a year.Are there any caveats to this? Just want to make the right choice. Also if it helps, I’m in California.
Caveat, I am not an agent.Are there any caveats to this? Just want to make the right choice. Also if it helps, I’m in California.
Do they even have dental and vision policies?UHC DVH doesn’t have waiting periods.
Yes, they do, split into under 65 and T65 and older markets.Do they even have dental and vision policies?
Yes, they do, split into under 65 and T65 and older markets.
I bought my coverage before they made that split, and it had a waiting period.
The network in my area is rather small and their allowed amounts per dental service code are probably less than some other carriers.
I haven't looked carefully at their current policy structure, but if there is no waiting period, they may be doing it with tiered coinsurance liability over a 3 year period. Say for basic services, they might pay something like 20% year one, 40% year two, and 70% year three.
If BCBSKS allows independent agents to sell their policies, and, if I was an insurance agent in KS, I think I would consider UHC and BCBSKS for my dental insurance products--or if I did not want to sell dental insurance, I would just refer people to those two companies.
That is not the case for what is available to me in KS.The DVH UHC coverage is exactly the same day one as it is year 3.
Preventative 100%. Basic 100%. Major 50%. No deductible.
That is not the case for what is available to me in KS.
I edited my post above--I have not looked carefully at UHC literature for at least 12 months and what I see on their website now is totally different from what I remember from -- say -- 2 years ago. I am either remembering way wrong or I have confused their products with those of another company.
I no longer see a split of product groups for over and under 65.
But I also don't see anything matching up to the specs you describe. You must have access to something else beyond what is available to me as a "direct from carrier" consumer in KS.
What I get today for a KS zip code is a brochure for a product lineup called DentalWise. 1k, 2k and 3K products.
The DentalWise 1000 has a deductible of $100.
No waiting period -- but see payment provisions below.
It pays Basic at 60% year 1, 80% year 2 and after.
It pays Major at 15% year 1, 50% year 2 and after.
(I highly doubt, any of the times I looked at their literature, that I saw a UHC plan available to me in KS that paid 100% on basic services. Preventive yes, but not basic.)
The UHC plan I personally own is a much older plan called Dental Essential Preferred.
It had 4 month waiting for Basic, 12 month waiting for Major.
It could have as many as 4 $50 deductibles.
$50 for Basic in-network and again for out-of-network, $50 for major in-network, and again for out of network.
(That was not a problem for me when I bought the coverage, it is now. I have already outlived several life insurance agents, I am now outliving the working lives of my health care providers and mechanics.)
It pays 70% for basic and 50% for major.
The Vision - Hearing component is actually a separate policy from the dental coverage.
The total premium I pay is probably comparable to the DentalWise Max 1000 premium.