Just find out what is waiting for you on the reels of Phantom Cash slot to be ready for frightfully big prizes to capture.

Indiana Health Insurers File For 2017 Rate Increases In Marketplace

How much will health insurance in Indiana cost in 2017?  Every company that is licensed to offer Marketplace plans has completed and submitted their rate request to the Department of Insurance. We have summarized the requests below. Open Enrollment begins November 1st and ends January 31st 2017.

 

Advantage Health Solutions

25.00% – HMO Small Group

 

Aetna

4.57% – Fee-For-Service Small Group

8.76% – PPO Small Group

 

All-Savers Insurance Company

-.02% – Small Group

 

Anthem BCBS

-4.59% – HMO Off Exchange Small Group

4.35% – POS On Exchange Small Group

-1.85% – HMO On Exchange Small Group

33.79% – POS Off Exchange Individual

29.78% – HMO MSP Individual

28.28% – HMO Individual

32.79% – POS Individual

28.58% – HMO Off Exchange Individual

 

CareSource

16.14% – HMO Basic Individual

13.41% – HMO Enhanced 2015 Individual

 

Celtic (Ambetter)

-5.51% – Ambetter Individual

-4.40% – Ambetter Vision + Adult Dental Individual

-5.24% – Ambetter + Vision Individual

 

Federated Mutual

15.49% – Small Group

 

Humana

8.43% – Small Group

1.13% – HMO Small Group

7.62% – Indemnity Small Group

6.96% – PPO Small Group

 

Indiana University Health Plans

9.39% – Marketplace Plus

5.03% – Small Group Product

-25.38% – POS Small Group

4.46% – SG POS Small Group

10.60% – Individual Product

 

MDwise

11.47% – Marketplace Individual

12.01% – MarketplacePlus  Individual With Adult Vision

 

National Health Insurance Company

9.76% – Nationcare Small Group

 

Physicians Health Plan (PHP)

6.03% – Small Group HMO

6.58% – Small Group POS

 

US Health And Life

3.12% – HSA Small Group

4.13% – PPO Small Group

 

UnitedHealthcare

1.60% – PPO Small Group

1.60% – PPO With Morbid Obesity Small Group

5.50% – EPO With Morbid Obesity Small Group

4.25% – Choice Plus Small Group

9.25% – Choice Small Group

2.15% – POS With Morbid Obesity Small Group


Vice President Mike Pence – If Elected, Here Is What To Expect

Indiana Governor Mike Pence has a great chance to become the nation’s next Vice-President, as Donald Trump and Hillary Clinton campaign for America’s votes.  If the Trump/Pence ticket wins in November, you can expect several changes to occur within the first 100 days of the Presidency.

Enjoy our tongue and cheek “Top 10” list below of the positive changes that a Donald Trump/Mike Pence ticket will bring to Indiana.

 

Pence Trump Ticket

Can Mike And Karen Pence Make It To The White House?

 

Indiana will become  great again! Unemployment will drastically reduce and Caterpillar, Proctor And Gamble, Ford, and Microsoft will all move their home offices to the Hoosier State, creating more than 100,000 new jobs. The State income tax will be eliminated, although a new 22.4% beverage and food tax will be initiated.

 

Financially-strapped Kentucky will disband, and become part of  the new “Greater Indiana.”  Larger cities in the state will also officially change their name. For example, Louisville, will now be known as Fort Wayne, and Lexington will be known as Indianapolis. And of course, the Kentucky Derby will change their name to “The Great Hoosier Race.”

 

Obamacare will be repealed and replaced by state-specific programs. Indiana’s state healthcare program will be called “PenceCare,” and will require all residents to abstain from diet soda, and have four complete physicals each month. All prescriptions will be free, and to reduce expenses, in-hospital stays will be shared with six other patients in your room. And to increase popularity of the program, Indiana Marketplace health insurance plans will include free autographed pictures of Donald Trump.

 

The winner of the Indianapolis 500 will be invited to the White House for an official recognition ceremony. The drive from Indiana to Washington D.C. usually takes about nine hours along Interstate 70 and other highways. Because the actual winner will be driving, and the complete route will be temporarily closed to the public, the trip should take less than three hours, with top speeds reaching more than 200 miles per hour.

 

A new “Pence Tower” (modeled after the “Trump Tower”) will be built in Richmond. Costing more than $2 billion, the 95-story complex will include hotel rooms, a small basketball arena, two entertainment centers, a bull-fighting ring, and 27 restaurants. Room rates will cost between $950 and $10,000 per day, depending upon the size of the pool, which every room will have.

Bob Knight Indiana Hoosiers

Coach Bob Knight Will Make A Triumphant Return To Bloomington

The National Hockey League (NHL) will award  a franchise to Bloomington, with the team named the “Knight Red Sweaters.” And yes, Bob Knight will be the inaugural General Manager in charge of player development, contract negotiations, and chair-throwing. All fans will receive  a 25% discount on food and drinks, if the wear a red sweather to home games.

 

Nintendo will release the sequel to its ultra-successful game Pokemon Go. Titled “Pence Go,” the new game will be similar to its predecessor with a few changes. “Pence Go” players will receive health insurance deductible credits for every Pokemon that is captured, and  2,500 new PokeStops will be created in random locations within the Hoosier State. There will be no cost for playing the game, although excessive participation can result in a fine from the Department of Health and Human Services (HHS).

 

The movie “Hoosiers” will be played at all White House functions, including weddings, inaugurations, and foreign dignitary visits. A special trivia contest will be enjoyed by all White House visitors, and a free iTunes download will be offered. The epic movie from 1986 also will also be shown on all Air Force One flights and a large picture of Gene Hackman will be painted on both sides of the plane.

 

A 17-story statue of Mike Pence will be erected in Columbus, where Mike was born in 1959. It will be a beautiful structure with multiple restaurants, office space, meeting rooms, and hotel accommodations able to fit inside the statue. One big problem though. The monstrosity is accidentally built in Columbus, OHIO, and not Columbus, INDIANA. Whoops. After months of negotiations, several structural changes are made, and the building suddenly resembles Ohio State Football Coach Urban Meyer, instead of Pence.

 

The Pence Candy bar will begin full production, with distribution expected into most Midwestern States by March of 2017. The  two-ounce candy bar will sell for $1, and be available in most grocery stores. In an effort to reduce calories and fat, chocolate will be replaced by bean sprouts, and sugar will be replaced by a combination of pepper, thyme, and cinnamon.


Affordable Indiana Individual Dental Insurance Plans And Rates

Affordable dental insurance coverage in Indiana is offered by several large companies, and rates may be much lower than you realized. Individual and family plans are available from top-rated carriers such as Aetna, Anthem, UnitedHealthcare, Humana, Assurant, and others. We make it easy for you to quickly compare multiple companies and obtain quality benefits at the cheapest prices.

Next-day coverage is often available, and benefits typically include teeth cleanings, restorative dentistry and cleanings, oral surgery, extractions, x-rays, and crowns. Additional benefits can include root canals, periodontics, dentures, bridges, sealant, and endodontics.

Below, we have reviewed and compared the best Indiana dental plan options, and included an online link that enables you to quickly enroll for a policy and get covered. All major carriers that offer benefits are included. NOTE: Metlife dental plans are only available through an employer.

Cheap Dental Benefits In Indiana

Compare Quality Indiana Dental Insurance Plans That Are Also Affordable!

Anthem Blue Cross Blue Shield

Anthem is the largest writer of healthcare coverage in Indiana, with market share increasing each year. You can view their health insurance plans here. Their dental details are shown below.

Anthem Dental Family – Anthem’s least expensive dental plan with a $50 deductible (per person) per year and a maximum yearly benefit payout of $750 (not applicable to dependents 18 or younger). Diagnostic and preventive services have no waiting period with cleanings, exams and x-rays covered at 100%.

Basic services (six-month waiting period for adults) and filling are included in the policy although extra cleanings and brush biopsies are not. Complex and major expenses have a one-year waiting period, although for dependents, it is often waived.

Other included benefits are root canal, scaling, tooth removal, endodontic and periodontic surgery, crowns, dentures, and bridges. Medically-needed orthodontia is covered for children (under age 19), but not adults. Cosmetic expenditures are generally excluded.

Anthem Dental Family Enhanced – Adult deductible is also $50 for all services while children’s (under age 19) deductible is only $25.  The maximum yearly benefit increases to $1,000, and diagnostic and preventive services have no waiting period. However, basic services still feature a 6-month waiting period for adults.

Coverage for fillings is higher than the Family plan (80% vs. 60% and 50%), along with root canal, scaling, tooth removal, endodontic and periodontic surgery benefits. The “Dental Prime” network is utilized and the yearly out-of-pocket limit of $350 still applies to children only (same as previous plan).

Anthem Dental Prime

Three Plans (A, B and C) are offered with different maximum benefits ($500, $1,000 and $1,250). A 12-month waiting period applies to complex and major services for all three plans. Plan A does not cover fillings or a brush biopsy. A $50 deductible applies only to Plans B and C while there is no yearly out-of-pocket limit.

An Optional “Blue Vision” rider is offered that features more than 25,000 network facilities throughout the US. Often retail locations can be used, such as LensCrafters, Target Optical, Sears Optical, and Pearle Vision. Negotiated discounts can reduce prices by as much as 40% at many locations.

An eye exam ($20 copay) is allowed once per year with a pair of glasses (standard lenses) allowed every once per two years ($20 copay). Contact lenses and frames can be replaced every 24 months. Factory scratch coating is a rider that can be added (free) along with polycarbonate lenses for anyone under age 19.

Indiana Dental Plan Rates

UnitedHealthcare Offers Excellent Pediatric Dental Coverage

UnitedHealthcare

UnitedHealthcare is one of the largest and highest rated companies in the industry. Their Life Insurance company actually administrates and offers dental plans. Rated “A” by A.M. Best Company, and with more than 30 million customers, you won’t have trouble finding a network provider.

Primary – The cheapest option, a $50 deductible applies to basic services (6-month waiting period), and a $25 copay (no waiting period) applies to preventive benefits. Major services are not provided on this inexpensive plan.

The annual maximum is $1,000 per person, and the typical out-of-pocket cost for a cleaning is approximately $25 (assuming a network provider). Vision benefits are also available.

Primary Preferred – Similar to previous plan although major services are provided with a 12-month waiting period. Benefits are paid at 50% once the deductible has been reached. Copays and annual maximums are the same as “Primary” plan.

Premier Choice – Basic and major services deductibles are only $50 combined (per person).  For larger families, the maximum number of deductibles is three. No copay or waiting period for approved preventative services.

Basic services (20% copay after deductible) have a 6-month waiting period while major services (50% copay after deductible) have a 12-month waiting period. Orthodontics is not covered and annual maximums gradually increase the first four years.

For example, $1,200 is the maximum the first year the policy is in effect. However, this amount increases by $100 on the anniversary date up to a maximum of $1,500. Network negotiated discounts allow you to pay only $16 for a filling (Amalgam 1 surface) and $385 for a molar root canal.

Premier Elite – Very Similar to prior plan with a major difference. Non-network copays are much lower. For example, a cleaning from a dentist that is not in the UHC network is subject to only a $5 copay (instead of $34). Other minor and major services also receive lower out-of-pocket costs.

Additional information that applies to all UHC plans:

No benefits are paid for expenses that occur before the effective date. This also applies to any waiting periods, or any claim submitted after the policy has been terminated. Also, treatment must be performed in a dental office by licensed personnel.

If injuries were the result of self-infliction, attempted suicide, or war, they will not be covered. Acupuncture and other alternative treatments are excluded. And in most states, if you receive service or treatment from someone that lives with you or is a relative, benefits may be excluded.

Find The Best Dental Plans In Indiana

Humana Helps Make The Trip To The Dentist A Little Better!

Humana

Humana was recently purchased by Aetna, but still offers many attractively-priced plans. We have illustrated the four most popular options below.  An additional policy is available by request. The “Preventative Plus Package For Veterans” requires proof of military service and is a specialized product. The Humana dental network can be found here.

Dental Loyalty Plus – Choice of any dentist, whether inside or outside of network. Deductibles of $150 per person or $450 per family. $1,000 annual maximum benefit increases to $1,500 after three years. Preventative paid at 100% and no waiting period for covered benefits.

Dental Preventive Plus – Similar to previous plan, although the annual maximum benefit does not increase and there is a six-month waiting period for basic services such as fillings and oral surgery. Premium is also lower.

Dental Value – Only in-network benefits and a primary-care dentist must be selected. However, there is no deductible or annual maximum for benefits paid. A small copay applies to visits.

Dental Savings Plus – This policy is classified as a “discount plan,” since it is not considered insurance. A discount applies to in-network dentists. Also included are discounts for vision expenses (up to 40%), hearing services, including an exam, and discounts on drug costs, which are typically 5%-30%. The one-time enrollment fee is $15.


Dental Care Savings That Will Make You :D - Click to Find your Plan

 

Discount Dental Plans

The cheapest option is utilizing one of several available “discount” options. Although they are not considered “insurance,” they do provide savings (often significant) when procedures are performed through network providers. NOTE: The American Dental Association does not endorse any specific plan.

Typically, there are no claims forms and payment is made at the time of service. Listed below are several of the most popular policy options:

Careington Care 500 Series – One of the bigger providers with more than 60,000 network providers. Orthodontics (child and adult) is included along with cosmetic benefits. Surprisingly, vision and Lasik is also included. Routine checkups cost only $16 (70% discount) while adult cleanings require only a $37 copay.

Aetna Vital Savings – Aetna’s discount version includes up to 50% savings on many major procedures including a root canal, crowns, and orthodontia. Prescription drugs are also discounted. Routine six-month checkups cost $24 and  an adult cleaning costs $54.

CVS iSave –  Yes, it is that CVS!National network of more than 100,000 dentists and specialists. Discount of 15%-50% on most major and minor procedures. Routine checkups (adult) cost $21 while cleanings cost $32 (children) or $47 (adults). A simple tooth extraction will cost $56.

10 Wellness programs are added, including TelaDoc, Medical Health Advisor, and Health Wealth Connection. Other extras include fitness discounts, 24-hour nurse hotline, and chiropractic/alternative medicine savings.

CignaPlus Savings – Orthodontia benefits are included along with the large Cigna network of more than 110,000 providers. Referrals are not needed for visits to specialists, and special group pricing is available. Routine checkups and adult cleanings cost $21 and $47 respectively. Depending on the type, a root canal can cost as little as $316.