GET CONTRACTED
Edward@Croweandassociates.com
Call us: 1.203.796.5403
Crowe & AssociatesCrowe & Associates
  • Home
  • ABOUT
  • Sales Blog
  • Sales Tools
    • Online enrollment
      • Connect4Medicare
      • Sunfire
    • Quote and comparison site
    • Application Processing
    • Free Medicare lead program
    • Agent website
    • Predictive dialer
  • Free Leads
  • Products
    • Medicare Plans
    • Life Insurance Plans
    • Final Expense Insurance
    • Long Term Care Insurance
    • Fixed and Indexed Annuities
    • Healthshares
    • Dental and Vision Plans
    • Other Products
  • Training Webinars
  • Contact Us

Blog

Home 2018 February
National General Short Term Health Plans

National General Short Term Health Plans

By Ed Crowe | General Articles | 0 comment | 23 February, 2018 | 0

National General Short Term Health Plans

If you find yourself in need of a short-term health care plan you should look into National General Short Term Health Plans.  Short term health insurance is major medical insurance that you purchase for a defined period of time.  In most cases the monthly premium is lower than other major medical health insurance coverage.  There are other advantages to purchasing short-term health insurance beside the price.  There are also no open enrollment restrictions on these plans, that means you can apply for coverage anytime. You will receive notification within minutes if your application is approved. You can use your coverage the day after you are approved.

Life can sometimes throw you a curve ball, if this happens you don’t want to be caught without insurance coverage. Spending any time without insurance coverage can be a little risky.  National General’s Short Term Health Plans give you the safety net you need for those unpredictable times.  These plans give you protection from unexpected medical bills and health care expenses for things such as:

  • Doctor visits and some preventive care
  • Emergency room and ambulance coverage
  • Urgent care benefits, and more

You can click on this link  for the Aetna PPO Network Provider Lookup for Short Term Medical: (search using the Open Choice PPO Network)

This coverage is great for people who:

  • need to bridge the open enrollment gap
  • have recently graduated from college
  • Are either part-time or temporary employees
  • Do not have adequate health insurance coverage
  • May be between jobs or have been laid-off
  • Are waiting for employer benefits to start

National General Short Term Health Plans Offer:

  • Coverage Period Maximum of $250,000 and $1,500,000
  • Deductible options from $1,000, $2,500, or up to $5,000
  • Coinsurance Percentage of In-Network plan 100/0, 80/20, 70/30, and 50/50
  • Both Doctor Office Visit as well as an Urgent Care Co-pay of $50

 

Why should you join a National General Short Term Health Plan?

  1. These plans are generally far more affordable than an ACA plan,  even after you consider the tax penalty.
    In the event that you do not qualify  for Obamacare plan subsidies, you will be stuck paying very high premiums.  For instance, A 29-year-old woman making $33,000 annually in South Florida will pay about $2,200 each year for a bronze-level Obamacare plan.   On the other hand,  she could purchase four short-term plans back-to-back for less than $500 a year.  Even after you add in tax penalty of $695, she will still save over $1,000 per year. The plans have a comparable deductible.
  2.  You will still be eligible to join an ACA plan in the event that you develop a condition that prevents you from reapplying for a Short Term Health Insurance plan.
    Affordable Care Act health plans cannot deny coverage for pre-existing conditions therefore, you will be eligible to join an ACA plan during open enrollment.
  3.  Short Term Health Insurance is Flexible.   Did you know that the ACA requires every plan to cover 10 essential health benefits.  These benefits include maternity services.  This means that a  single male with an ACA plan will have maternity coverage that he can never use.  Short-term health insurance covers services that a healthy member is more likely to actually use.
  4.  There is No Annual Open Enrollment Period for these plans.  In fact, you can enroll in a plan anytime you need one.  In contrast, you cannot purchase an Obamacare plan if you do not sign up during the short, six-week Open Enrollment Period.  Unless you meet certain criteria for a special enrollment period.

If you have any questions, please contact us either by phone at (203)796-5403 or by email at edward@croweandassociates.com.  We will be happy to go over your options for insurance coverage.

 

 

 

 

 

 

 

link to resources

 

MetLife Dental Plans

Metlife Dental Plans

By Ed Crowe | Dental | 0 comment | 6 February, 2018 | 0

MetLife Dental Plans

MetLife dental plans are available through MetLife TakeAlong Dental.  TakeAlong dental is a PPO dental program that offers coverage to both you and your family.  Three PPO plan designs are currently available to choose from.  All three plans have affordable monthly premiums and a large network of participating providers.  The MetLife dental plans offer you a number of benefits…

CLICK HERE TO QUOTE PLANS

The first thing you should know is;  you will receive Coverage that stays with you even through different life stages

Second; both you and your family can receive benefits

Third; this plan offers competitive prices

Equally important,  there is a broad network of participating dentists to choose from

Finally, you will receive hundreds of services/procedures at costs that may be lower than typical dental fees, including:

  • Cleanings
  • X-rays
  • Fillings
  • Dentures
  • Sealants
  • Orthodontics
  • Crowns
  • Extractions
  • Root Canals

Having the right Dental insurance can protect you and your family from unexpected dental expenses! MetLife TakeAlong Dental offers comprehensive coverage today and in the future, even through different stages of your life.

CLICK HERE TO QUOTE AND ENROLL

 

PPO
Coverage Type
PPO-LOW
PPO-MEDIUM
PPO-HIGH
Download Full
Schedule of Benefits
Download Full
Schedule of Benefits
Download Full
Schedule of Benefits

Dental Premium Payment Options

*Requires setup of electronic funds transfer (EFT) or credit or debit card payment.

Quarterly and Semi-Annual payment options also available.

Self
$35.44 Monthly*
$106.32 Quarterly
Self + 1
$70.41 Monthly*
$211.23 Quarterly
Self + 2 or more
$101.34 Monthly*
$304.02 Quarterly
Self
$39.00 Monthly*
$117.00 Quarterly
Self + 1
$77.18 Monthly*
$231.54 Quarterly
Self + 2 or more
$109.15 Monthly*
$327.45 Quarterly
Self
$44.56 Monthly*
$133.68 Quarterly
Self + 1
$88.90 Monthly*
$266.70 Quarterly
Self + 2 or more
$131.14 Monthly*
$393.42 Quarterly

Calendar Year Maximum per person

$1000 $1500 $2000

Calendar Year Deductibles

Applies to both Basic Restorative and Major Restorative Services

$75 self
$150 self + 1
$225 self + 2 or more
$50 self
$100 self + 1
$150 self + 2 or more
$25 self
$50 self + 1
$75 self + 2 or more

Preventive and Diagnostic Services include;

Cleanings, oral examination and X-rays

100% 100% 100%

Basic Restorative Services include;

Both fillings and periodontal maintenance

70% 70% 80%

Major Restorative Services include:

Crowns, bridges and root canal treatment as well as dentures

50% 50% 50%

Covered Orthodontic Services

Not Covered Not Covered Child: 50%
Adult: Not Covered

Waiting Period

Some benefit Programs have waiting periods before certain dental work can be performed.

If you currently have comparable Dental coverage that has been in effect for at least 12 months, you may qualify to have the waiting period waived. You will have the opportunity to request a waiver during enrollment.

Waiting period does not apply to Dental DHMO/Managed Care programs.

6 months
Basic Restorative12 months * 
Major Restorative* Vermont Residents: Any applicable waiting periods are limited to a maximum of 6 months. Once enrolled, this will be reflected in your policy.
6 months
Basic Restorative12 months * 
Major Restorative* Vermont Residents: Any applicable waiting periods are limited to a maximum of 6 months. Once enrolled, this will be reflected in your policy.
6 months
Basic Restorative12 months * 
Major Restorative
Orthodontics* Vermont Residents: Any applicable waiting periods are limited to a maximum of 6 months. Once enrolled, this will be reflected in your policy.

 

About Crowe and Associates

Categories

  • Annuities
  • annuity
  • Brokers
  • CD rates
  • Dental
  • Dental insurance
  • Disability
  • FDIC insured CDs
  • Fixed interest rates
  • General Articles
  • Group Health Insurance
  • Individual Health Insurance
  • Investments
  • Latest news
  • Life Insurance
  • Long Term Care
  • Medicare
  • Medicare A and B benefits
  • Medicare Advantage Plans
  • Medicare compliance
  • Medicare Drug Coverage
  • Medicare Supplements
  • Over The Counter benefits
  • phone and home Medicare sales
  • Retirement Income
  • Voluntary Benefits

Recent Comments

  • Rachel on When is The Medicare Advantage Dis-enrollment Period (MADP)
  • Kathy Stark on United Health Care OTC Catalog
  • Tracey Klee on UHC 2022 OTC Catalog
  • Brenda Brogan on Aetna OTC 2023
  • terry zehring on Anthem 2022 OTC catalog

Social Icons

Archives

  • January 2023
  • December 2022
  • October 2022
  • September 2022
  • August 2022
  • July 2022
  • June 2022
  • February 2022
  • December 2021
  • October 2021
  • February 2021
  • January 2021
  • February 2020
  • January 2020
  • October 2019
  • July 2019
  • June 2019
  • May 2019
  • April 2019
  • March 2019
  • February 2019
  • January 2019
  • October 2018
  • September 2018
  • August 2018
  • July 2018
  • April 2018
  • March 2018
  • February 2018
  • January 2018
  • December 2017
  • November 2017
  • September 2017
  • August 2017
  • July 2017
  • June 2017
  • May 2017
  • April 2017
  • March 2017
  • February 2017
  • January 2017
  • December 2016
  • July 2016
  • June 2016
  • May 2016
  • April 2016
  • March 2016
  • February 2016
  • January 2016
  • September 2015
  • August 2015
  • July 2015
  • June 2015
  • May 2015
  • March 2015
  • February 2015
  • September 2014
  • August 2014
  • May 2014
  • April 2014
  • March 2014
  • February 2014
  • January 2014
  • September 2013
  • August 2013
  • July 2013
  • June 2013
  • May 2013
  • April 2013
  • March 2013
  • February 2013
  • January 2013
  • December 2012
  • November 2012
  • October 2012
  • September 2012
  • August 2012
  • July 2012
  • June 2012
  • May 2012
  • April 2012
  • March 2012
  • February 2012
  • September 2011
  • July 2011
  • June 2011
  • April 2011
  • January 2011
  • August 2010
  • April 2010
  • September 2009
  • August 2009

Recent Posts

  • Insurance Live Transfer Leads
    27 January, 2023
    0

    Insurance Live Transfer Leads

  • MetLife dental NCD
    24 January, 2023
    0

    MetLife dental NCD

  • ConnectiCare OTC 2023
    18 January, 2023
    0

    ConnectiCare OTC 2023

  • $35 insulin list
    18 January, 2023
    0

    $35 Insulin List

With licensed sales professionals in both the investment and insurance fields, the experienced and knowledgeable team at Crowe & Associates can tend to your various needs.

Latest News

  • Insurance Live Transfer Leads

    Insurance Live Transfer Leads

    Insurance Live Transfer Leads With Crowe and Associates, agents can access insurance

    27 January, 2023
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800 MEDICARE to get information on all options.

Follow Us

  • Follow Us on LinkedIn
  • Find Us on Facebook
  • Watch Us on YouTube

Subscribe to our newsletter

Edward K. Crowe & Associates LLC BBB Business Review
  • Home
  • About
  • Agents
  • Quote
  • Retirement
  • Services
  • Blog
  • Contact
Copyright 2023 Crowe & Associates | All Rights Reserved |

Insurance Agency Website by Stratosphere

  • Home
  • ABOUT
  • Sales Blog
  • Sales Tools
    • Online enrollment
      • Connect4Medicare
      • Sunfire
    • Quote and comparison site
    • Application Processing
    • Free Medicare lead program
    • Agent website
    • Predictive dialer
  • Free Leads
  • Products
    • Medicare Plans
    • Life Insurance Plans
    • Final Expense Insurance
    • Long Term Care Insurance
    • Fixed and Indexed Annuities
    • Healthshares
    • Dental and Vision Plans
    • Other Products
  • Training Webinars
  • Contact Us
Crowe & AssociatesCrowe & Associates

Online Enrollment- Enroll prospects online without the need for a face to face appointment. Access to all major carriers with the ability to compare plan benefits and prescription drug costs. Link to recorded webinar https://attendee.gotowebinar.com/recording/2899290519088332033

All agents receive a personalized enrollment website. Prospects can use the site to compare plans, check doctors, run drug comparisons and enroll in plans. Agents are credited for all enrollments. Click Here

[contact-form-7 404 "Not Found"]