What Do I Do If I Dont Have Insurance

If you dont have dental insurance, it shouldnt be a reason for not going to the dentist. Thats especially true if youre in any kind of pain or youre embarrassed by your smile and want to start making oral health a priority.

Finding a dentist that is willing to work with you on payment options can make the entire experience less stressful for you. Thats why we offer flexible financing options to our patients who arent covered by Meridian dental insurance or another policy. As a dental practice, our top priority is patient care. Its not uncommon for people to already have reservations about going to a dentist, so our job is to alleviate those concerns in every way possible, including financially. Were always willing to work with our patients to come up with a financial solution that works for everyone.

If youre looking for a dentist near Eastpointe that accepts Meridian insurance, feel free to contact us to book an appointment. You can learn more about the insurance companies were happy to accept here or call us for more information about financing options.

Common Health Insurance Terms

When discussing health insurance with an agent, it helps to understand some of the common terms youâll hear. Below youâll find definitions to some of the most common health insurance terms.

• Deductible – The amount of money you pay toward medical bills before your insurance coverage begins.
• Co-pay – A specified amount of money you pay upfront for doctor visits and prescription refills.
• Coinsurance – The percentage of medical bills you pay after meeting the deductible.

Wellcare Health To Buy Meridian Health Plans For $25 Billion

CNBC Health Reports:

WellCare Health Plans said on Tuesday it would buy Meridian Health Plans of Michigan and Illinois for $2.5 billion in cash to become the top Medicaid provider in those states.

The deal will help WellCare add about 1.07 million Medicaid members in Michigan and Illinois and includes the acquisition of pharmacy benefit manager MeridianRx, WellCare said in a statement.

This transaction strategically aligns with our focus on government-sponsored health plans, WellCare Chief Executive Officer Ken Burdick said in a statement.

Meridians businesses are expected to generate more than $4.3 billion in total revenue in 2018, WellCare said.

The deal comes as health-care payers and pharmacies are responding to a shifting landscape, including changes in the Affordable Care Act, rising drug prices and the threat of competition from online retailers such as Amazon.com.

In December, U.S. drugstore chain operator CVS Health agreed to buy U.S. health insurer Aetna Inc for $69 billion, seeking to tackle soaring healthcare spending through lower-cost medical services in pharmacies.

U.S. retailer Walmart was reported to have been in early-stage talks in March with health insurer Humana Inc about developing closer ties.

The WellCare-Meridian deal would add 40 to 50 cents per share to WellCares adjusted earnings in 2019, 70-80 cents per share in 2020, and more than $1.00 per share in 2021.

The company also said it had secured $2.5 billion in committed bridge financing

Also Check: How To Cancel Health Net Insurance

Best For Online Care: Unitedhealthcare

UnitedHealthCare

UnitedHealthcare has excellent financial strength ratings and has a network of PPOs across the nation. Its online health care services are excellent.

• Online health care services

• Average or less-than-average overall customer satisfaction ratings in 2021 J.D. Power Commercial Member Health Plan Study

UnitedHealthcare has an A financial strength rating from AM Best and is a part of UnitedHealth Group, which is the largest health insurer in the U.S. It offers individual insurance that meets the Affordable Care Act requirements for essential care.

A real standout feature for UHC members is the access to online care, including the ability to order prescriptions online, speak with a nurse via a hotline, and participate in online wellness information. Members can also go online 24/7 to find doctors and set up appointments, file claims, and even speak with a doctor through a mobile device. It even has a mobile app, so you can use these resources on the go.

UHC is a great choice for people who want the option to manage their health care electronically. HMO and PPO plans are available with access to HSAs and FSAs. Member discounts are available for a variety of health related products and services including: hearing aids, vision services , and smoking cessation programs.

They also have an extensive preferred provider network of over 1.3 million physicians and other health care professionals. UHC also offers Medicare Advantage HMO and PPO plans.

Best For Wellness Care: Molina Healthcare

Molina Healthcare

Moodys Investors Service recently upgraded its credit ratings, and the wellness and preventive care services are excellent.

• Limited coverage territory

Molina Healthcare serves 17 states, but only offers private health insurance to residents in California, Florida, Michigan, Mississippi, New Mexico, Ohio, South Carolina, Texas, Utah, Washington, and Wisconsin. It insures more than 4.6 million members across the United States. Coverage options, plan choices, and benefits vary by state. Many of its health plans come with low co-pays and cover essential medical care such as prenatal, emergency services, hospital care, vaccinations, lab tests/x-rays, prescription drugs, doctors visits, and vision insurance.

Molina has some excellent perks, wellness care, and preventive health care services for its health insurance members including adult immunizations, adult preventive services, child and adolescent immunizations, pediatric preventive health care, prenatal and postnatal care.

Also Check: How To Stop Health Insurance

How Do The Azimuth Meridian Plans Cover Pregnancy

Both plans of the Meridian plans offer maternity coverage, but you cannot be pregnant prior to the start of the policy. Maternity is very important to consider if you may have children in the future. On the Meridian Essential plan, maternity is a rider that you can add or remove at any renewal. It is one of the most popular plans for maternity because you can get pregnant in the first year of coverage and have the maternity rider as well. Many other plans have a 12 month waiting period. The Meridian Enhanced plan has a 12 month waiting period, but maternity is included in the policy.

Best For Telehealth Care: Cigna

Cigna

Cigna has excellent financial strength ratings, and out-of-network approvals are not required. It has excellent telehealth services available to members.

• Out-of-network care available without a referral

• Telehealth services

• Limited coverage area

Cigna is a global health insurance provider and offers private health insurance in 10 U.S. states: Arizona, Colorado, Florida, Illinois, Kansas, Missouri, North Carolina, Tennessee, Utah, and Virginia. It has an A financial strength rating from AM Best. Referrals for out-of-network care may or may not be required depending on your plan. The greatest savings are realized by using an in-network provider.

Plan options, deductibles, and co-pay options vary by state. High-deductible plans are available along with HSA plan options. Policyholders can search plan network doctors, estimate costs, check claims status, and get insurance ID cards all online.

There are several attractive member benefits, including access to a home delivery pharmacy, health information helpline, rewards programs, flu shot information, and the Cigna telehealth connection program, which allows you access to board-certified telehealth providers, including Amwell and MDLIVE.

Read the full Cigna insurance review.

Read Also: Can I Buy Health Insurance After An Accident

Can Family Members Participate In The Treatment Process

Mental illness not only affects patients but those who are close to them as well. We encourage family members to participate in the entire behavioral health treatment process, as well as seeking support services when needed. Where appropriate, we also support families in the process of helping to identify problems and solutions to relationship issues and welcome opportunities for attending group/family therapy sessions. We also offer services for caregivers and those who live or work in an environment affected by mental health issues.

Experienced Healthcare Here For You

When you become an Ambetter member, youre joining an experienced healthcare company. We’ve been part of the health insurance marketplace from the very beginning.

Now, Ambetter has more than 2 million members nationwide. Our 20 state health plans are here for you. We have the years of experience plus local knowledge to help you and your family take charge of your health.

Don’t Miss: Where To Find Health Insurance

What Does Health Insurance Cover

Health insurance typically covers the costs of medical, prescription, and surgical services. It pays for your care if you get sick or injured, as well as preventative care such as vaccines and wellness checkups with your doctor. It pays for most prescription drugs and medical devices.

Health insurance doesnt cover elective surgical procedures or beauty treatments, however, and its not the same as accident insurance. Health insurance will most likely cover your medical expenses if youre involved in an accident, but accident insurance is a supplemental policy that gives you a lump sum to help pay for your out-of-pocket accident-related costs.

Does Health Insurance Cover Therapy

Health insurance may cover therapy and counseling visits, but it depends on the specific policy. Check your insurance summary to see if mental health counseling is covered.

If it is covered, make sure the provider accepts your specific plan. Many therapists do not accept health insurance. If thats the case, you can submit receipts to your health insurance provider for reimbursement. They may provide some benefits for out-of-network therapists, but this also varies by policy.

You May Like: Does Short Term Health Insurance Cover Pregnancy

What Are The Benefits Of The Meridian Enhanced Plan

Meridian Enhanced is an excellent plan for nearly all international travelers and expatriates, regardless of where they are in the world. Sure, the cost is a little more, but the benefits are significantly increased from the Essential plan. Wellness for adults is included after 12 months, and wellness for children is available after 10 months.

Here are some specific benefits of the Meridian Enhanced Plan:

Meridian International Health And Travel Insurance

May 23, 2016By : Administrator

It seems that more and more people are living outside their home country these days. Whether its because of their job, a volunteer organization or simply for a new adventure, many of our clients typically spend 3-5 years as expatriates overseas. Their domestic health insurance policies usually wont cover them while they are outside their country of citizenship, so they come to Good Neighbor Insurance to protect themselves and their loved ones in case the unexpected occurs.

Good Neighbor offers a variety of long-term medical plans for expat clients living overseas. One of our favorite providers of expat medical plans is Azimuth Meridian International. We like Azimuth Meridian because they offer two levels of medical plans to fit the specific needs of individuals and families residing or traveling abroad for a long term.

Many of the people who secure this international health and travel insurance are workers, volunteers, and missionaries who work with businesses, NGOs, nonprofits, and humanitarian or faith-based organizations. Azimuth Meridian plans are designed to provide coverage wherever you travel in the world.

Don’t Miss: How To Get Temporary Health Insurance

How Much Does Marketplace Health Insurance Cost

The cost depends on the type of plan you choose. The Department of Health and Human Services said the annual premium for the benchmark Markeplace plan in 2017 was $3,624. However, it’s important to note that 8 out of 10 people typically qualify for financial assistance , and that reduces the premium cost even further.

If I Have Specific Needs Not Covered By This Plan Can You Offer Other Plans To Fit Those Needs

Yes, and here are two examples:

• The GMMI overseas medical insurance coverage for expatriates would not have good coverage for sports injuries. However, the deductible is reduced by 50% for treatment received outside the U.S.
• The GeoBlue Navigator expatriate medical insurance has the best coverage for sports. However, it is the most expensive international medical insurance policy.

In addition to these plans, Good Neighbor offers a variety of other long-term medical plans for expat clients living overseas.

# # # #

Good Neighbor Insurance provides international travel insurance, expatriate medical insurance, as well as employer group medical insurance and other international cover to those traveling and living outside their country of residence/country of citizenship. Call one of our professional licensed international insurance agents at 866-636-9100 or you may email us at [email protected].

Have amazing and safe travels from your Good Neighbor Insurance team here in Arizona!

Administrator

Read Also: What Is On Exchange Health Insurance

Do You Have Age Requirements For Clients Requesting Services

We can see and provide care for all ages. We see children as young as two years old and have no maximum age limit. We have therapists on staff who specialize in school-age children and preschool children under 5 years of age. We also offer mental health services for the elderly and who understand the needs of older adults in need of both regular mental health care as well as geriatric psychiatric services.

What Is The Difference Between Bronze Silver And Gold Marketplace Plans

All three plan types cover all of your essential healthcare needs. The difference is the ratio of premium cost vs. out-of-pocket costs . Bronze plans generally have lower premiums, but higher OOP if you need a lot of care. Gold plans have high premiums that help limit OOP. Silver plans provide the best value for most people, in terms of premium costs vs. OOP – especially if you qualify for financial assistance which will further lower your premiums.

Don’t Miss: What Is Average Cost Of Health Insurance For A Family

How Much Does Health Insurance Cost

Health insurance plans can vary greatly in cost based on factors such as your health, your geographic region, the amount of your deductible, and copay requirements. Its a good idea to compare the total costs and benefits of the plan and not just look at the premium.

Policies with lower deductibles generally allow you to pay less upfront, but youll pay a higher monthly premium in exchange for that. Youre effectively paying more on a monthly basis rather than all at once through a deductible when you need care. You might also be responsible for a co-pay, a fixed percentage of the balance remaining after youve paid your deductible. You and the insurance company are sharing the costs.

Health insurance you might receive through your employer is typically cheaper than purchasing a policy on your own.

Meridian Health Plan Signs Transportation Contract With Mtm

LAKE SAINT LOUIS, MO Medical Transportation Management, Inc. announced today that it has signed a contract with Meridian Health Plan to provide transportation to Illinois beneficiaries. On November 1, 2010, MTM will begin coordinating non-emergency medical transportation for those beneficiaries who are otherwise unable to get to and from medical appointments and services.

Meridian Health Plan is a Medicaid HMO in the State of Illinois, headquartered in Chicago. MHP currently serves eight counties, providing health care to beneficiaries enrolled in the AllKids, Family Care, and Moms and Babies programs through a contract with the Illinois Department of HealthCare and Family Services.

We believe that transportation services are an important and valuable benefit. By offering our beneficiaries safe, reliable transportation to medical appointments, DME providers, and WIC offices, we work to remove barriers that might otherwise prevent our population from receiving the care they require, said Benjamin Schoen, Director of Provider Services for Meridian Health Plan.

Kim Matreci, Vice President of Client Services at MTM said, MTM and MHP are looking forward to working together to ensure a smooth transition and successful implementation of service for beneficiaries. With a shared vision and commitment to safe, quality transportation services, our companies are united in an effort to providing excellent service and beneficiary satisfaction.

Privacy Overview

Don’t Miss: What Is A Gap Plan Health Insurance

Can I Schedule A Doctors Appointment On The First Visit

Psychiatry is considered a specialty service. You may need to see a psychiatrist on the first visit with a direct referral from your primary care physician. You also may need to see a therapist first depending on your unique situation. You may also be able to receive a referral from another doctor/practitioner or from a therapist within our agency in order to schedule an appointment with our psychiatrist. We understand that insurance companies may have unique requirements and we are happy to help you navigate this process.

Who Can Receive Mental Health Services What Community Do You Serve What Ages Do You Serve

The cost of treatment is directly related to the amount and type of services that you will require as well as your current healthcare plan. Your Treatment Plan will be developed by you and your mental health provider following your assessment. We have programs and unique services for all members of our community, including families, adolescents, men, women, transgender, non-binary, LGBTQA+, children, adoptees, elderly, prescription, substance abuse, talk therapy, group therapy and all members of our community. In fact, Meridian is intentional about making sure there is the right professional for any specific problem or concern you might have.

Recommended Reading: How To Get Health Insurance As A Real Estate Agent

Things You Dont Know About Meridian Health Insurance

If you require dental work, there are many different resources you can access to find it.

One option is to use healthcare services that provide insurance. There are various health insurance services available depending on your location and the provider you choose to help protect your smile.

Meridian is happy to support members and even help them through the transition period while looking for a doctor.

The reviews on this particular dental insurance are great compared to other Medicaid providers. Its easy to see the difference when compared to other companies in the field. When there are more positive reviews than negative, clearly a company is doing something right.

When you participate in Meridian coverage, you can use these plans for many different services. For example, the program covers medical prevention, hospitals, and things like depression. Coverage includes a dental program to pay for specific events.

This post will reveal more information that you may not know about them, especially if you arent a member.