Save Money by Combining Medical and Dental Insurance Plans

Medical insurance is often one of the biggest monthly expenses a family has. Health care costs have been steadily rising in the past few years, and the costs of comprehensive health insurance plans have been rising with them. Many health insurance providers have been attempting to ease the burden to consumers by offering new ways to save money on insurance, such as combining medical and dental insurance plans.

Combining medical and dental insurance into one plan, such as the plan offered by Blue Cross Blue Shield and Delta Dental of Minnesota, has the potential to save consumers up to 11% on dental insurance. A number of similar plans are available nationwide and can be found using free online health quote services.

Available either through your employer or privately, combined medical and dental insurance will generally result in more coverage for less. Dental plans typically cover basic prevention care and work, such as fillings or annual cleanings. Combining health insurance with dental coverage, bridges the gap in health care, so should you ever need some kind of surgery for dental work, it will most likely be covered. Dental insurance options can be discussed with your insurance provider to ensure that you have the personally tailored coverage you need.

Health insurance plans are typically customized to suit the needs of the family or the individual. If the insurance is being purchased through the employer, then there may also be different care options available. Many health insurance plans allow you to add additional coverage, such as maternity coverage for pregnant women or extra coverage if there are any recurring health problems.

If combining medical and dental insurance is something you might be interested in, compare rates using a free online health insurance quote service, and then consult with your current insurer. Combined plans can save you money, time and confusion while providing more comprehensive coverage for you and your family.

A Huge Mistake Made by Most Medical and Dental Websites

Multiple marketing studies have found that 87% of people never read an entire web page. They skim and scan and generally only read the bullet points. For this reason, the initial pages that a visitor sees on a website should consist only of bullet points and easy to identify navigation links.

People don’t want to read a lot of information while hunting. They switch from hunting to gathering and are ready to read only when they feel they are at the right place on your website. If they are interested in what you have to say, they are willing to navigate 3-4 pages deep to get the information.

Let’s put these statistics into perspective with a medical or dental website. In a recent study by Google, they found that when a patient conducts a search for a medical practice or dental practice, 84% of the time they only want one of two things:

1. They want the practices phone number and/or
2. They want directions to the practice.

If 87% of the general population only skims the page and reads the bullet points, and 84% of your visitors only want your phone number or directions to your office; why is it that medical and dental websites make it difficult for the visitor to find the information they are seeking? They make a visitor muddle through large blocks of text to uncover the information that they seek. This is a huge mistake that is made by most medical and dental websites.

How to Get Inexpensive Medical and Dental Insurance

Contrary to popular belief, inexpensive medical and dental insurance is not a thing of the past. You can get it now, if you know where to look and what to get.

Comprehensive Medical Insurance Plans

Comprehensive insurance plans cover your ongoing health care needs and are the most expensive plans. They include:

* Indemnity Plans. These are the traditional insurance plans that cover your doctor visits, hospital fees, and prescription drugs. These plans let you use your own doctor and hospital, and are the most expensive of the comprehensive insurance plans.

* Managed health care plans (HMOs, PPOs, POSs). These plans assign you to a health care group – doctors, hospitals, and specialists – that you use for your health care needs. Some of these plans let you use your own doctor and hospital for an additional fee. They are the least expensive comprehensive insurance plans.

* Medical saving accounts. These plans combine a tax-sheltered savings account with a high-deductible health insurance plan. The savings account is used to pay for minor medical expenses and the insurance pays for more expensive medical expenses.

Specialized Health Insurance Plans

Specialized health insurance plans cover only specific health care needs. They are the least expensive insurance plans. They include:

* Major medical insurance plans. These plans are high deductible health insurance plans that provide coverage for major illnesses such as heart attacks and cancer.

* Hospital and surgery plans. These plans provide coverage for hospital stays and surgical services only. They cover doctor fees, room and board, lab tests, and X-rays.

* Hospital confinement plans. These plans pay a set amount for each day you spend in the hospital.

* Short term plans. These are comprehensive health insurance plans with coverage that lasts for a specified amount of time.

* Accident only plans. These plans pay for doctor visits and hospital fees when you have an accident. They do not cover illnesses or diseases.

Dental Insurance Plans

Standard dental plans pay for dental services such as teeth cleanings, fillings, extractions, crowns, and X-rays. Indemnity dental plans allow you to see the dentist of your choice, and managed dental plans assign you to a group of dentists.

Dental plans are less expensive when they are part of a health insurance plan. You also have the added benefit of having only one insurance bill and one company to deal with.