Specifically; my payroll service has a client that has AFLAC accident insurance and Health & Dental insurance. They claim to have the AFLAC and dental insurance pre-taxed but not the health? I need to make sure we deduct properly.
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The AFLAC accident and dental insurance would be covered under the clients section 125 plan and should be set up accordingly. I would verify that the medical isn't part of this plan. The only thing I know through AFLAC that wasn't covered with my old employer was Long Term Care.
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Tuesday, November 2, 2010
Where can I buy Health and Dental Insurance online?
My husband and I both work but neither one of our employers offers health or dental insurance. Where can I go online to look at different plans? We live in the state of Georgia. Also...does Dental insurance normally come with Health insurance or do you have to purchase it separately?
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Why do you want to buy it online? Great way to get scammed, buying it online. Also, it's a great way to have your identity stolen - trust me, if someone can impersonate a paypal website, they can impersonate an insurance company website. Plus, if you buy it online, how do you know it's going to be VALID in your state? How do you know your emails won't start bouncing as soon as they get your bank account info? You don't. Buy from a local agent. Dental insurance comes seperately. AND, private plans almost ALWAYS cost more than they pay out. I've NEVER seen a private dental plan where YOU come out ahead, due to deductibles, copays, and waits.
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Why do you want to buy it online? Great way to get scammed, buying it online. Also, it's a great way to have your identity stolen - trust me, if someone can impersonate a paypal website, they can impersonate an insurance company website. Plus, if you buy it online, how do you know it's going to be VALID in your state? How do you know your emails won't start bouncing as soon as they get your bank account info? You don't. Buy from a local agent. Dental insurance comes seperately. AND, private plans almost ALWAYS cost more than they pay out. I've NEVER seen a private dental plan where YOU come out ahead, due to deductibles, copays, and waits.
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You know how insurance companies make you wait 6 months between dental cleanings?
If I change insurance providers, will I still have to wait 6 months from my last cleaning? I'm only going to be home slightly less than 6 months from my last cleaning. I'll have a new dental insurance provider then too.
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Some make you wait exactly six months, some allow two cleanings per calendar year and some allow two in a 12 month period. Some even allow three or four cleanings a year. Are you sure that yours has the six months to the day frequency policy? Call and ask if you are not sure. And if you change insurance companies, and it is not through an employer, you should be fine to have your cleaning a little early.
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Some make you wait exactly six months, some allow two cleanings per calendar year and some allow two in a 12 month period. Some even allow three or four cleanings a year. Are you sure that yours has the six months to the day frequency policy? Call and ask if you are not sure. And if you change insurance companies, and it is not through an employer, you should be fine to have your cleaning a little early.
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Can medical / dental insurance costs including premiums paid PRE-TAX be tax deductible?
Can dental / health insurance premiums paid pre-tax and deducted from my paycheck be considered in itemized deduction?
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yes they can, any medical expense including ones from your pretaxed income, can be added on the scedule a. the only exception would be if your employer paid for the insurance. if you pay for it, you can include it. i am a tax preparer and i am sure of this. now the only limit would be getting you over the thresehold of %2 of your agi.
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yes they can, any medical expense including ones from your pretaxed income, can be added on the scedule a. the only exception would be if your employer paid for the insurance. if you pay for it, you can include it. i am a tax preparer and i am sure of this. now the only limit would be getting you over the thresehold of %2 of your agi.
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Can you use the sliding scale program some dentisits offer if you have dental insurance?
I need a lot of dental work done, which is going to cost a few thousand dollars. I am a military dependent (spouse) and have dental insurance. However, the insurance only covers about $1,000 per year (or so I was told). I need to have my teeth fixed this year. So I was wondering if you have insurance, will dentists still allow you to be part of the sliding scale program? Thanks.
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They may. That changes from dentist to dentist. And dentists set the prices, so just talk with them, and they may be willing to allow you on their given the situation. Another option is adding a dental discount plan to your current insurance. Those do not have a maximum, and cost very little to purchase. What you could do with that is use your insurance first on one day, that way you get the full benefit of that plan, and then on another day, use the discount plan for any proceedure after that. The best one in my opinion is one called the Careington 500 Series Plan. You can purchase it for $6.95 a month, and the start up fee is $20 but it does start right away. There are some other ones out there, but most of the others don't save as much or offer it on a monthly payment. You can get that plan at 1Dental.com. Just make sure that the dentist takes both, whatever plan you decide. But again before doing that talk to the dentist, sometimes they are more willing to work with you whenever you ask them about other options. Hope that helps.
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They may. That changes from dentist to dentist. And dentists set the prices, so just talk with them, and they may be willing to allow you on their given the situation. Another option is adding a dental discount plan to your current insurance. Those do not have a maximum, and cost very little to purchase. What you could do with that is use your insurance first on one day, that way you get the full benefit of that plan, and then on another day, use the discount plan for any proceedure after that. The best one in my opinion is one called the Careington 500 Series Plan. You can purchase it for $6.95 a month, and the start up fee is $20 but it does start right away. There are some other ones out there, but most of the others don't save as much or offer it on a monthly payment. You can get that plan at 1Dental.com. Just make sure that the dentist takes both, whatever plan you decide. But again before doing that talk to the dentist, sometimes they are more willing to work with you whenever you ask them about other options. Hope that helps.
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Is their a dental insurance in AZ for individuals?
We recently moved to Az my husbands job does not have very good dental before we moved we discovered that I am going to need overbite surgery-its causing alot of problems - headaches,earpain,swore jaw, but to make a long story short , I am having trouble finding a individual dental insurance here that doesn't have an annual maxium of more than a $1000 and that covers overbite correction.
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If the overbite is causing you medical problems it might be covered by your health insurance. Dental insurance usually won't cover you because it is considered either cosmetic or medical. No dental insurance plan is very good; they'll all have a maximum and a waiting period for major work. The best policy that I have in AZ has a maximum of $1500 and a waiting period of 24 months. You could try a dental school; AZ has one in the Phoenix area: http://www.yourhealthplanadvisor.com/Den… Here are a couple of links for dental insurance: https://www.hpainsurance.com/qt/SecureDe… https://www.hpainsurance.com/qt/SmileDen… You can also try a fee for service discount plan. I'm an insurance agent and my personal plan is the fee for service plan, specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered. You can check them out here http://www.dpbrokers.com/default.aspx?lo… specifically the Aetna Dental Access
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If the overbite is causing you medical problems it might be covered by your health insurance. Dental insurance usually won't cover you because it is considered either cosmetic or medical. No dental insurance plan is very good; they'll all have a maximum and a waiting period for major work. The best policy that I have in AZ has a maximum of $1500 and a waiting period of 24 months. You could try a dental school; AZ has one in the Phoenix area: http://www.yourhealthplanadvisor.com/Den… Here are a couple of links for dental insurance: https://www.hpainsurance.com/qt/SecureDe… https://www.hpainsurance.com/qt/SmileDen… You can also try a fee for service discount plan. I'm an insurance agent and my personal plan is the fee for service plan, specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered. You can check them out here http://www.dpbrokers.com/default.aspx?lo… specifically the Aetna Dental Access
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Is there a way to get dental insurance that kicks in sooner?
The dental insurance through my job has a 5 month waiting time. I have a missing front tooth that got chipped off. I want this done soon so I can look good. Right now I am using a removable fake tooth called a "flipper". But I hate the thing and its hard to eat with it in. What are my best options on the insurance?
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I would encourage you to visit this website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and have saved thousands of $$$ since. From fillings, xrays, exams, cleanings...etc. All services are included in this very affordable plan for the entire family. Even cosmetic and orthodontics. They had my benefits active in 2 hours and was able to use it the very same day. Hope this helps.
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I would encourage you to visit this website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and have saved thousands of $$$ since. From fillings, xrays, exams, cleanings...etc. All services are included in this very affordable plan for the entire family. Even cosmetic and orthodontics. They had my benefits active in 2 hours and was able to use it the very same day. Hope this helps.
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