Saturday, April 13, 2024

Manhattan Life Dental Vision Hearing

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Manhattan Life – Dental, Vision and Hearing Plan

This plan almost sounds too good to be true, huh? Well, we are thrilled to inform you this plan is the real deal! Its really that simple. No fine print. No hidden fees. That is why this plan is the #1 Dental, Vision & Hearing plan among our clients. Just because there is no Medicare dental, vision & hearing coverage doesnt mean you have to go without!

Give us a call at or email us at and wed be more than happy to assist you!

Is Dental And Vision Insurance For Seniors Necessary

Dental and vision insurance for seniors is crucial to promote proper dental and vision health through retirement. Once you reach age 65, you are ten times more likely to be diagnosed with cancer, including oral cancers.

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Additionally, the risk for other oral diseases increases. These include:

  • Gum disease
  • Tooth decay
  • And more

Routine dental care can nip these health complications in the bud. Although you can receive dental care without coverage, it can become costly. For example, a basic cleaning can cost upwards of $300, depending on your location. Beyond the basic cleaning, dental procedures can cost tens of thousands of dollars without proper coverage.

In addition to dental, vision coverage is also essential in keeping seniors on Medicare healthy. Approximately one in three seniors on Medicare develop a vision-reducing eye disease. These can include:

  • Cataracts
  • And more

Most of these diseases are treatable if found early. Vision coverage can help you access treatment as soon as an issue is detected. Luckily, dental and vision plans for seniors are available to cover both necessary benefits.

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Dental Vision & Hearing

One of the most common questions we receive from our clients is Does Medicare cover Dental, Vision or Hearing? Unfortunately, the short answer is no, it doesnt. However, there is an affordable all-in-one plan through Manhattan Life that we highly recommend to our clients which provides coverage for all three dental, hearing and vision!

Our clients love this plan because its affordable, offers all three services in one plan, requires no networks, provides coverage from day one, doesnt ask any obligatory health questions to be approved, and the list goes on and on!

Since your Medicare coverage itself doesnt cover the basic routine and preventative services that people normally need when it comes to dental, vision & hearing nor does it cover any out-of-pocket expenses or copays youll need to add some type of supplemental insurance to your Medicare plan. That is where this plan comes in, and makes a great alternative for what Medicare doesnt cover.

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Does Original Medicare Include Dental And Vision Coverage

Dental and vision benefits are crucial as we age. Unfortunately, Original Medicare does not offer coverage for dental, vision, or hearing services. That is why enrolling in a stand-alone dental, vision, and hearing policy is important to supplement your Medicare benefits.

When you enroll in Original Medicare, adding dental and vision to your rolodex of coverage makes sense. Obtaining dental, vision, and hearing coverage can prevent several major health concerns and help you keep up with routine health maintenance.

Does Medigap Or Medicare Advantage Cover Dental Vision And Hearing Benefits

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Medicare Supplement and Medicare Advantage plans are available through private insurance companies. However, the capabilities of each type of plan are not the same.

Medicare Advantage plans can create their own benefits and set maximum out-of-pocket limits. Also known as Medicare Part C, Medicare Advantage plans often provide additional benefits, including dental, vision, and hearing coverage.

On the other hand, companies offering Medigap plans do not have the freedom to customize benefits. Because Medicare standardizes Medicare Supplement plans to provide the same benefits across all carriers, these plans allow for lower overall costs than Medicare Advantage plans.

If you enroll in a Medigap plan, you must sign up for a stand-alone dental and vision insurance plan to receive such coverage.

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What Does Dental And Vision Insurance For Seniors Cover

Dental and vision insurance for seniors often covers basic preventive care and significant services. Each plan and carrier offer different benefits. However, the most common benefits include:

  • Routine dental cleaning and deep-root cleaning
  • Cavity fills

Not all plans cover hearing benefits. However, many available plans cover this additional perk.

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Find the most affordable Medicare Plan in your area

Dental Insurance For Seniors

Many people turning 65 ask us about Medicare dental and vision as well as Medicare hearing aid coverage. Unfortunately, Medicare itself does not cover routine dental, vision, or hearing exams. It also does not cover copays related to the health of your eyes, ears, and smile. So its not surprising that we get lots of callers asking about the best dental insurance for seniors.

Fortunately, there are several affordable dental, vision, and hearing insurance options we can offer our clients to cater to their individual needs.

Related Article: 7 Medicare Mistakes That Could Cost You

Also Check: Gordon Schanzlin New Vision Institute

Manhattan Life Insurance Review Disclaimer:

We are not in any way affiliated with Manhattan life. In fact, we are Independent Insurance agents that offer Top final expense insurance from top-rated companies. This article is our personal review of the Manhattan Life Insurance Company programs along with our opinions on the matter. If you are looking to contact colonial Penn directly with this info 800-669-9030

Manhattan life insurance review by an agent in Arizona

Manhattan Life Insurance Company, one of the oldest continuously operating companies in the world, was founded in 1850.We issued the first-ever group life insurance contract and issued one of the first life policies to a woman.

Our rich history has helped shape us into the company we are today one of excellence and industry-leading innovation. We recognize the diverse needs of our clients and believe in meeting those needs with integrity and passion.

What Kind of insurance product does Manhattan Offer?

ManhattanLife has a comprehensive product portfolio that is customized to the requirements of the modern insurance industry for both Worksite and individual sales. Our collection of voluntary products offers high-quality benefits at affordable rates to employees while offering employers plans to augment and enhance their companys benefits programs.

Accident Insurance

People call them accidents for a reason they are unplanned and can happen to anyone at the most inopportune times.

Cancer Insurance
Dental, Vision & Hearing.
Life Insurance
Term Life.

Aetna Dental And Vision Insurance For Seniors

Manhattan Life Insurance Company Dental Vision & Hearing Review!!!

Aetna dental and vision plans are available in 36 states nationwide. Dental coverage comes with a $100 deductible and a $1,000 or $1,500 benefit. There is no waiting period for biannual cleanings, semi-annual exams, x-rays , or fillings and extractions . You will have 60% coverage in year one, 70% in year two, and 80% in year three.

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There is a 12-month waiting period for major services with 60% coverage in year two. Coverage for major services includes root canals, periodontal surgery, bridges and crowns, and complete or partial dentures.

Aetna vision benefits come with 60% coverage for year one, 70% coverage for year two, and 80% for year three, with a $200 maximum for the first two years. This includes coverage for eye exams, eyeglasses, and contact lenses.

Besides vision and dental, Aetna hearing coverage comes with a $100 deductible and a maximum of $500 during any calendar year. Your benefits do not kick in until the second year. In year two, you will have 70% coverage. By year three, you will have 80% coverage.

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How Do Dental Vision And Hearing Plans For Seniors Work

Dental and vision plans for seniors provide benefits Original Medicare does not cover. These plans combine dental, vision, and often hearing benefits into one easy-to-use policy. Dental and vision plans have a maximum benefit that the plan pays out each year.

When you enroll, you can choose your maximum benefit amount. Typical options range from a $1,000 maximum benefit to a $5,000 maximum benefit. So, you can decide which amount best fits your needs.

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Plus, if you need more benefits in the future, you can change your coverage level at any time. However, you may encounter a waiting period before you can use significant service benefits.

An advantage to enrolling in a dental and vision insurance plan is the approval guarantee regardless of your health.

However, it is vital to ensure your doctors will accept your plan. Fortunately, many policies are PPO-style, so any dentist or optometrist may accept them. Yet, to receive the planâs maximum benefit, you should see an in-network provider.

Learn More About Our Dental Vision And Hearing Insurance

Just because there is no Medicare dental and vision coverage doesnt mean you have to go without!

You can buy senior dental insurance today and use it tomorrow! Dental plans are offered in many states but not all states. Reach out to us today to get help. Just fill out our contact form on the right or call us at 1-855-732-9055.

Our simple application takes less than 10 minutes. In most cases, you can start your coverage as early as tomorrow!

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Why Are The Premiums So Low

This policy is a proprietary policy of the Missouri Optometric Association which is a Missouri based nonprofit professional association. Their working partner, the Missouri Dental Association is the same. The policy was designed to accomplish a common goal, provide exceptional services to our patients at an affordable cost.

Manhattanlife Assurance Company Of America

Manhattan Life Insurance Company Dental Vision &  Hearing Review ...

Founded in 1850, ManhattanLife is one of the oldest and most recognized leaders in the health and life insurance industry. Since their founding, theyve sought to bring their clients a variety of reliable and affordable plans that provide the perfect amount of protection and healthcare coverage for families. Furthermore, theyve since partnered with Western United Life Assurance Company to provide reliable and competitive life insurance policies for their clients. Between ManhattanLife and ManhattanLife Assurance, clients can have the high-quality coverage they need, at highly affordable rates.

If your client is interested in ManhattanLife Insurance, they offer a wide range of plans including Medicare Supplements, Indemnity Plans, as well as Dental/Vision/Hearing.

Also Check: Guardian Dental And Vision Insurance

What Is The Best Dental And Vision Insurance For Seniors

The best dental and vision plans for seniors vary per policyholder. Everyone has different health needs and budgets, so it is not uncommon to choose a different policy than your neighbor or even your spouse.

Many insurance companies offer dental and vision plans. However, some of the best include Cigna, Aetna, and National General.

How Is The Family Plan Premium Determined

To determine premiums, ManhattanLife uses “age of last birthday”. The family premium is based on the older age of the two adults for a two-parent family and the age of the adult for a single-parent family. If applying within a group policy for a family plan, then the premium is based on the age of the last birthday of the employee.

The family plan provides an averaged premium rate for up to 3 children. Each additional child can be added to the family policy for the “additional child premium”. For example, add the additional child premium rate to the appropriate family rate premium to determine the premium for a family with 4 children.

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Manhattanlife Medicare Supplement Plans

The ManhattanLife company provides competitive Medicare Supplement options throughout the US, underwritten by the ManhattanLife Assurance Company of America, ManhattanLife Insurance Company, and Western United Life Assurance Company. Combined, these companies have created some of the best Medicare Supplement plans for consumers on the market. Whether your clients have deductibles, copayments, or outside expenses that Medicare cant cover, their remaining expenses will be 100% covered by ManhattanLife Insurance. Their Medicare Supplement plans are designed to help with copayments and other out-of-pocket costs that are not covered by Medicare. These options are designed to have more competitive ratings, that are ideal for clients and provide agents with better compensation. Medicare Supplement highlights include:

  • Competitive Ratings with Higher Profit
  • Simple and Efficient E-Applications and Underwriting Services
  • Quarterly bonus opportunities

Cigna Dental And Vision Insurance For Seniors

How to Use Your Manhattan Life Dental Plan

Cigna dental and vision plans help Original Medicare beneficiaries cover one of the biggest holes in their health care coverage. Cigna dental and vision policies offer coverage for seniors in 36 states and have accepting providers in all 50 states. So, if you want coverage to travel with you wherever you go, Cigna offers a plan to fit your needs. Additionally, Cigna dental and vision insurance for seniors also provides hearing benefits that include hearing aid coverage.

Cigna dental plans offer benefit amounts from $1,000 to $5,000 annually. This means there is a policy for everyone.

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When you enroll in a Cigna dental and vision plan, you receive 100% coverage for your preventive services from day one. Then, for major services, you will receive 60% coverage in year one, 70% in year two, and 80% in year three. Major services include root canals, periodontal surgery, bridges and crowns, and complete or partial dentures.

Cigna provides one of the largest networks of trusted dentists, optometrists, and audiologists. When it comes to vision coverage, you will receive up to $200 for lenses from an accepted provider.

Additionally, when you use Cigna to cover hearing aids, you can receive up to $500 to help cover these costs.

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Dental Vision And Hearing

Dental services are available through Morsched with Manhattan Life and Delta Dental. You can review their services in the documents below and contact us to determine the best coverage for you.

Vision services are available through Morsched with Manhattan Life. You can review their services in the document below and contact us to determine the best coverage for you.

Hearing services are available through Morsched with Manhattan Life. You can review their services in the document below and contact us to determine the best coverage for you.


National General Dental And Vision Insurance For Seniors

There are three different National General dental and vision policy options so that you can find the right ancillary coverage for your healthcare needs. Any policy will cover preventive, basic, and major services from day one. The annual maximum and select benefits will increase in year two.

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The National General dental, vision, and hearing PPO plan has three benefit levels for dental benefits. All three levels pay for dental procedures, including routine exams and cleanings. The Level 2 and Level 3 plans cover major services at 25% in the first year and 50% in the second year.

The Level 2 and Level 3 plans also cover dentures at 25% in the first year and 50% in the second year. Implants are only covered on the Level 3 plan with 25% coverage in the first year and 50% coverage in the second year.

Level 1 has an annual maximum of $750 the first year and $1,500 the second year. Meanwhile, Level 2 has a maximum of $1,000 in the first year and $2,000 in the second year. Finally, Level 3 has an annual maximum of $1,500 in the first year and $3,000 in the second year.

Further, National General offers two plans for vision coverage, the L1 Plan and the L2 Plan.

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The L1 Plan has a $15 copay for annual exams, $130 maximum per 24-month period, and a $25 copay for lenses. The maximum benefit for progressive lenses is $55.

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How Do I File A Claim

As a policyholder, you have a couple of options. Approved MOA DVH vision providers and Preferred Network, Preferred Plus Network and Careington Network dental providers will all file the claim on your behalf. If your provider is not in the network, you can still ask them to file the claim for you. Many providers will help you.

If you need to file a claim for yourself, you may go to the policyholder login on the website and print out your claim form there or you can print the forms directly from the top menu on this website, After you fill out the claim, you may scan and submit it with the Easy Upload option . You may also:

  • Fax to 713-583-0677
  • P.O. Box 925309Houston, TX 77292-5309

*If you choose to mail the claim, please note this can cause a slight delay in processing and is not the preferred method of claims submissions.

If you need help, call the Customer Service Department at 800-669-9030 or call your agent. They can also print the form, help you fill it out, and submit it from their online portal.

Manhattan Life Dental Vision And Hearing Quotes

Brotherwood Insurance, quotes, Dental Vision hearing

With a storied reputation, quality plans, and low costs, its easy to see why so many Oregonians choose Manhattan Life for their healthcare needs. Original Medicare covers a lot, but it leaves out coverage for things like dental vision, and hearing. So, if you are interested in getting a Manhattan Life dental, vision, and hearing quotes, or would just like to learn more about your options, talk to one of our expert agents today.

Find Manhattan Life Coverage in Your Area

Don’t Miss: Aetna Medical Dental And Vision Insurance

Central United Life Insurance Company

Plan Medigap is working with Central United Life Insurance, a leading provider offering affordable dental, vision, and hearing policy for seniors 65 and older. If you have enrolled in Medicare, know that Original Medicare and a Medicare Supplement do not cover routine dental, vision, and hearing exams.

Central United Life began in 1963 and became part of the Manhattan Life group. It was listed on Life-Health Wards 50® Companies list which enlists companies with excellent performance and maintains financial stability and growth over a five-year period.

With Central United Life, you have the option to choose any dentist. For vision, get coverage on routine exams, glasses or contacts, and for hearing, exams, hearing aids, repairs and necessary supplies.

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