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Health Insurance Quotes Pa Question & Answers

2016 January 1
by Sarah Fields

Susan asks…

is there any dentist offices that accept cash?

i live in the northeast of Philadelphia PA and i need to go to the dentist but i do not have insurance. if anyone knows a place please let me know

Sarah Fields answers:

Nina, I agree with your first responder. Cash (money) to quote from the one dollar bill says: “THIS NOTE IS LEGAL TENDER FOR ALL DEBTS, PUBLIC AND PRIVATE” Legally, everyone (businesses and individuals!) in the United States is obligated to accept US Dollars in any and in all debit/credit transactions!

Dental benefits (usually an employer purchased product), and often misnamed dental insurance, is a tool to help the employee maintain their overall health by having a disease free mouth. Recent research shows a connection between dental disease and many systemic conditions! Probably the most important one is between periodontal disease (gum disease or pyorrhea) and heart disease.

The best resource for finding a good a dentist is to ask your friends, relatives, and coworkers who they see AND most importantly, do they like him or her! Is the office clean and up to date? Is the staff friendly to both the patients and to one another? Most people will not be happy if the work environment is bad or if they don’t believe in their dentist!

Good luck in your search, Nina!

Dr mike

Betty asks…

Health Insurance for kids?

I have health insurance through my employer, I have a baby due in July and I have looked into adding her as a dependent but it is way to costly. It jumps from 88.00 a month for Keystone Health Plan East to 400 a month if I add her. Can anyone recommend any health insurance companies that will just cover her by herself. Iam not interested in CHIP or Keystone Mercy or any other state facilitaited health insurance. Thanks for the help.

Sarah Fields answers:

You have at least a couple options. One is to purchase a health insurance plan just for your baby, as you suggested. The other is to find something more affordable that will cover you both. In either case, you’ll want to talk to a licensed agent who can give you personal advice and who knows the options in your area.

I gather that you live in Pennsylvania? It is possible to get a health insurance plan to cover only a child in PA, so that’s good. I quickly checked some quotes for a 3-month-old baby through my company’s website, eHealthInsurance.com, and I see that there are quite a few health plans to choose from under $100 a month. Of course, different plans have different levels of coverage, some with higher deductibles and copayments, some with lower. And you’ll want to make sure that a plan for a newborn covers preventive or well-child services. You can take a look at these options for yourself online or talk to one of our licensed agents at 800-977-8860.

Depending on how happy you are with your current health insurance plan and what you’re willing to pay for your child’s individual policy, you may also want to consider purchasing a new health insurance plan that covers you both. I ran quotes for a 3-month-old child and a 25-year-old mother and found a lot in PA to choose from under the $150 a month level. Of course, your final monthly premiums (like your child’s) will depend on more than just your age, but also on you health status and where you live. And health insurance companies can and do change their rates sometimes – but these are some ballpark figures for you.

So talk to an agent. Get to know your options. But whatever you do, don’t cancel any current coverage you have while you’re pregnant. It can make it harder to get approved for a new plan and that’s a complication you don’t need right now.

Best,

Amir M, licensed agent

Sandra asks…

blue chip insurance in PA?

how can i request a quote for blue chip health insurance in PA for the adult???

Sarah Fields answers:

You can’t. CHIP is only for children. If you’re pregnant, the coverage is actually for the unborn child, to pay your prenatal and birth costs.

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