Kris.R
New Member
Are there any caveats to this? Just want to make the right choice. Also if it helps, I’m in California.
Follow along with the video below to see how to install our site as a web app on your home screen.
Note: This feature may not be available in some browsers.
LifeShield does if you've had your current plan for a year.Are there any caveats to this? Just want to make the right choice. Also if it helps, I’m in California.
Caveat, I am not an agent.Are there any caveats to this? Just want to make the right choice. Also if it helps, I’m in California.
Do they even have dental and vision policies?UHC DVH doesn’t have waiting periods.
Yes, they do, split into under 65 and T65 and older markets.Do they even have dental and vision policies?
Yes, they do, split into under 65 and T65 and older markets.
I bought my coverage before they made that split, and it had a waiting period.
The network in my area is rather small and their allowed amounts per dental service code are probably less than some other carriers.
I haven't looked carefully at their current policy structure, but if there is no waiting period, they may be doing it with tiered coinsurance liability over a 3 year period. Say for basic services, they might pay something like 20% year one, 40% year two, and 70% year three.
If BCBSKS allows independent agents to sell their policies, and, if I was an insurance agent in KS, I think I would consider UHC and BCBSKS for my dental insurance products--or if I did not want to sell dental insurance, I would just refer people to those two companies.