| Temporary | Supplemental | Travel | HSA | Major Medical | Life | Dental | Ancillary | International | Group | Individual | Accident | Mini-medical
| High deductible | Emergency | Critical Illness | Prescription |
PPO | Guaranteed Issue | Pre-existing Condition
|
 OnlineAdviser
support makes it easy to get friendly, personal, professional
and independent
help with your insurance selections and
enrollment. Support is available through
live online chat or within one business day
with fast
e-mail response.OnlineAdviser enrollment support by email at tnovak@freedombenefits.net or register for premium pre-paid telephone support at onlineadviser.org. Health insurance news and tips via Twitter or visit us on Facebook.com/freedombenefits.
Member Services:
UnitedHealthOne
7440 Woodland Drive Indianapolis, IN 46278 (800) 474-4467  Highlights covers
two evaluations,
cleanings, and
fluoride treatments
(under age 16) per
yearNo
waiting period for
preventative
services6
month waiting period
for basic services12
month waiting period
for major services
like crowns, bridges
and denturesPPO
dentist network
includes over 73,000
dentists nationwide. |
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Product Review
Preventative Care is covered at 100% of prevailing rates without any deductible or waiting period.
Basic Services are covered at 80% of prevailing local rates include simple fillings, extractions, x-rays and treatment to ease dental pain.
Major Services are covered at 50% of prevailing local rates include root canals, crowns, inlays, onlays, veeners, bridges, dentures and oral surgery for impactions. These are covered after a 12 month waiting period.
Orthodontic care is not covered.
PPO Network includes 73,000 dentists nationally.
Out of network coverage is provided at the local reasonable and customary rate.
Maximum Benefit is $1,000 per person per year.
X-rays are covered once per year; no waiting period.
Vision coverage option - Optional vision coverage will help pay for eye exams with a $10 co-pay, frames and lenses, and contact lenses with a $25 co-pay. There is no deductible or waiting period for benefits. Like the dental benefit, the vision benefit offers better savings for in-network services. The vision care network includes 24,000 private practice and retail chain providers nationally.
Enrollment Support - Live personal enrollment support is available from the enrollment site weekdays from 8 AM to 6 PM Eastern time.
Pros
A large national dental PPO network is available in most urban areas to reduce premium costs and out-of-pocket fees.
Cons
Waiting periods make individual dental insurance less attractive to the majority of individuals who shop for coverage immediately before major dental services are required. As a result, only a small percentage of those who want to purchase dental insurance actually enroll in the coverage. For those who need immediate major dental care, a Careington discount dental plans provide a better alternative in the short term.
When using an out-of-network dentist there is no assurance that the dentist will accept the insurer's calculation of usual and prevailing fee as full payment.
Forms in PDF format for download
All available forms can be found by following the quote and enrollment link above.
Opinions expressed are the sole responsibility of the author and do not necessarily represent the opinion of Freedom Benefits Association or any other person, company or entity mentioned. Information is from sources believed to be true, but cannot be guaranteed.