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What’s happening with Health Insurance

Health insurance has been such a huge topic for years now. When Obamacare happened you were either for it or totally against it. Without a doubt, ACA helped a lot of people but the long-term effects are still to be seen. The big question is what now? So many carriers pulling out rates rocketing.  Due to the ever-changing nature of the new healthcare law, staying up to date on the latest ObamaCare news is a must. For some people, it was a big relief to find out that a lot of states extended the deadline for this year and for others the deadline could be extended for months and still simply wouldn’t be able to afford the rates being offered even with subsidies. Not to mention there are many reports stating that individuals are not using the exchange market due to their carriers not participating and many don’t want to loose a doctor due to a network change. No matter your situation in one way or another all these new healthcare laws and changes somehow effect you and for most, it’s not in a good way. You hear more and more every day about those who would like to see the Obamacare Care be repealed. Those who want to repeal ObamaCare due to being upset with the cost or the mandate should think carefully about why guaranteed coverage for preexisting conditions matters. Not to mention healthcare providers across the nation are unsure of whether they will be able to survive an abrupt repeal of Obamacare without a comprehensive replacement. Either way it’s definitely something to stay up to date on. There are a few sites that can help you do that and I have listed them below!

http://obamacarefacts.com/obamacare-news/

http://www.usnews.com/topics/subjects/health_insurance

http://www.medicalnewstoday.com/categories/health_insurance

Of course there are hundreds but these seem to cover a lot of the facts!

 

Medicare and Lack of Dental Coverage

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Did you know that despite popular belief straight medicare doesn’t actually cover your dental?

Medicare’s dental coverage is limited. If you have Original Medicare (Part A and Part B), you won’t be covered for most dental services and supplies, including:

  • Dental exams
  • Routine cleanings
  • Fillings
  • Tooth extractions
  • Dentures and dental implants

That’s pretty much everything you would need to have done on a bi-annual basis that has to be paid out of pocket. Medicare.gove states that ” Medicare Part A (Hospital Insurance) will pay for certain dental services that you get when you’re in a hospital. Part A can pay for if you need to have emergency or complicated dental procedures, even though the dental care isn’t covered.”

So unless you’re hospitalized or it is an emergency procedure you’re simply left to cover it on your on. Not to mention each year the amount of money you get for being on medicare decreases ad the cost of living and these procedures continues to rise. I hear a lot of time people say they don’t need dental or they have had all the work they need already and they brush. The truth is everyone needs to take care of their dental needs but Risk for certain conditions, including gum disease and oral cancer, increases with age. Oral health is often strongly connected with overall well-being and should be maintained with daily brushing and flossing, as well as regular cleanings and oral exams. Early signs of other conditions, such as diabetes and cancer, are often first identified at the dentist’s office.

There are options out there such as Medicare Advantage plans that most often only cover minimal basic services and can be pricey so make sure to do your research and be sure that you and your loved ones are covered!