Daily Archives: December 1, 2018

CIGNA Dental Insurance – An Honest Review

CIGNA Dental Insurance is available in six different levels of coverage. Depending on what your employer offers you can choose from a plan that reimburses you a portion of your dental costs to an all inclusive plan that does not even have a deductible. These dental plans are offered in addition to CIGNA healthcare plans and are currently only available through an employer sponsored plan. To receive this benefit you must contact your human resource department to request this type of coverage.

The best plan offered by CIGNA dental insurance is the DHMO plan. With this plan you choose a dentist from their network of providers and use them exclusively for your dental work. There are no deductions and no yearly maximum for services. Most of the preventive services do not have co-pays and referrals are not necessary for orthodontic care. You will receive two yearly visits and cleanings, x-rays and pediatric dental services for no extra cost. Enrollee’s will also receive a membership into CIGNA Healthy Rewards program. This program will save members up to 65% off of other non traditional health services such as acupuncture and weight management programs.

CIGNA dental insurance also offers a dental savings plan for those who do not have full dental coverage. The CIGNA Plus Savings Plan is not insurance coverage but rather a membership in a savings plan. By providing your membership card to any of the 76,000 registered dentists on the plan you will enjoy deep discounts on all your dental work. These discounts are pre negotiated through CIGNA and can save the individual a considerable sum over a short period of time. Since this is a savings plan there are no insurance forms to fill out or deductibles to pay. You also do not have to worry about preexisting conditions, frequency of visits or a maximum amount of benefits for the year.…

Eye Doctors

Eye doctors or ophthalmologists help to diagnose everything related to eye care, including eye health, refractive surgery, eye conditions, and diseases. An optometrist is someone who helps with vision therapy, which involves diagnosis of faulty vision. Optometrists help the patient afflicted with vision problems to choose corrective lens and glasses.

Sometimes, eye doctors and optometrists work hand in hand, when any need or an emergency occurs. There are many sources like medical yellow pages directories for the patient to find eye care specialists, be it ophthalmologists or optometrists. There are even convenient online resources for the eye patient to browse by specialists or by state or zip code.

Vision Directory has created an incredibly comprehensive index of optometrists, ophthalmologists, and eye doctors for eye patients to search. It is an online directory and the eye patients got searching options by the state. This enables the patient to find eye care specialists locally.

The Optometrist Network helps patients find the eye care specialist free of cost. They also inform the public about the visual care choices. They also help increase communication within the profession of optometry, which helps the patients to get immediate free referrals.

Hampton Road Eye Associates (HREA) is an integrated team of ophthalmologists, optometrists, ophthalmic nurses, technicians, assistants, and opticians providing comprehensive eye care. They offer services that range from routine care for refractive problems with eyeglasses and contact lenses to advanced medical care for conditions such as cataracts, glaucoma, and macular degeneration.

The Doctors for Visual Freedom is a community service organization that believes in personal care using the best and the latest technology. Their credo states that curing patients with eye problems is their top priority over making money. …

Understanding Health Insurance in Virginia

Health insurance remains one of the most talked about topics when it comes to products that are indispensable for residents of Virginia. With continued increase in healthcare costs, the importance of health insurance plans keeps increasing.

It goes without saying that residents of Virginia without insurance coverage are at a greater risk of experiencing financial insecurity during illness or injury. No doubt health insurance plans involve costs but affordable health policies are easily available and with the implementation of healthcare reforms, lots of options will be available to the Virginians.

Traditional indemnity insurance plans in Virginia

Traditionally, indemnity health insurance plans in Virginia offer reimbursement against the claims made by an insured person. The level of coverage provided by these plans could vary from basic to comprehensive depending upon the needs of the insured person. Accordingly, the costs of the health plans vary-premiums, deductibles, copays and coinsurance, etc.

Managed health care plans in Virginia

Unlike indemnity health plans, managed care health insurance plans involve a group of medical providers that offer comprehensive medical services. They are called preferred or participating providers.

There are basically three managed care options:

• Health Maintenance Organization or HMO

HMOs allow the insured person to select a primary care physician from the plan’s list of medical service providers. If it is necessary, the primary care physician will refer the insured person to a specialist.

• Preferred Provider Organization or PPO

PPOs allow the members to avail large medical care network. At a slightly higher cost, a PPO generally allows its members to receive care outside its network of providers

• Point of Service feature or POS

POS medical plans are special types of HMOs that allow the members to select a non-network provider at a slightly higher cost.

Impact of the Affordable Care Act of health insurance in Virginia

• Around 109,000 small businesses in Virginia will be helped with tax credit.

• Medicare beneficiaries will be mailed a check automatically to defray the costs of their prescription drugs.

• Early retirees would be provided options for reinsurance.

• $113 million federal dollars will be made available to Virginia starting July 1 to provide coverage for people with pre-existing conditions.

• With the new Act, Virginia enjoys the option of Federal Medicaid funding for coverage for all low-income populations, irrespective of age, disability, or family status, for the very first time.

• 4.7 million people in Virginia with private insurance won’t have to worry about lifetime limits on the coverage.

• 344,000 individuals will not have to worry about to get dropped from insurance policies when they get sick.

• Children would be able to stay in their family health insurance policy till the age of 26 years.

What to look for while buying affordable health plans in Virginia

• Virginians should note what is the maximum coverage level offered in the health insurance plan. This should be the prime deciding factor.

• The second point should be the costs involved in a health plan. …