SecureOne provides access to high quality healthcare, innovative programs, and a wide range of health solutions that help families and individuals get well, stay well, and be well.

Because we are independent, our priority is you, not the insurance company. We represent many different insurance companies which offer a wide variety of coverage options and price points. Our goal is to deliver the right blend of price, coverage, and service.

Choosing the right Dental, Vision and Health insurance plan can be a very intimidating process.  Let us find the best plan for you!  All you need to do is decide which factor of a plan is most important to you, ongoing preventive care or coverage for major services, and work through the respective decision tree.

Vision, Dental and Health insurance are an important part of keeping you and your budget healthy. The health of our eyes and mouths is no less important than that of the rest of our bodies. But vision and dental insurance are often excluded from traditional health insurance. While a health insurance plan can aid in the cost of a broken arm or a skin infection, a chipped tooth or fading eyesight is left up to dental and vision insurance.

Read More

DENTAL

Dental insurance often comes in the form of “100-80-50.” This means that the insurance provider pays for 100 percent of the cost of preventive care (such as cleanings and routine checkups), 80 percent of the cost of basic procedures (such as fillings or root canals), and 50 percent of the cost of more advanced procedures (such as bridges or crowns).

WHAT DENTAL INSURANCE COVERS

If you need dental care, supplemental dental insurance plans can dramatically diminish your out-of-pocket expenses. Supplemental dental insurance provides coverage for a range of services from cleanings to orthodontics.

Supplemental dental insurance can go a long way in helping to pay for several services that range from basic care to advanced surgical procedures. As evidenced by the 100-80-50 model, the more advanced the procedure, the less coverage you might expect to receive from your dental insurance plan.

 

THESE SERVICES, IN ORDER FROM THE MOST BASIC OF CARE (WIDELY COVERED BY DENTAL INSURANCE) TO THE MORE ADVANCED (NOT AS WIDELY COVERED) INCLUDE:

  • Preventive care. Routine dental exams and cleanings typically take place every six months and are covered in full by most dental insurance policies
  • Restorative care. Restorative care consists of any minor procedures to treat damaged or decayed teeth, such as fillings
  • Endodontics. More advanced damage or decay will require more involved procedures like root canals
  • Oral surgery. Common oral surgeries include teeth removal, the drainage of infections, and gum tissue biopsies
  • Orthodontics. This includes the installation, maintenance, and removal of braces and retainers
  • Periodontics. Periodontics involves the treatment of gum disease, infections, and lesions
  • Prosthodontics. Fittings and installations of dentures and bridges can be expensive, and you will need a quality insurance policy to help alleviate this cost

WHY SHOULD YOU CHOOSE A NETWORK DENTAL PLAN

Network dental plans help reduce your out-of-pocket costs as the dentists have agreed to accept a set contracted amount for each service rendered as the basis for payment under the Spirit Dental plan. This amount is typically significantly less than the amount which could be charged by an out-of-network dentist.

These network dentists are prohibited (by contract) from charging you the difference between their typical fee and the amount negotiated with the network. Dentists not participating in the network are not subject to the negotiated amounts and are permitted to charge any fee for services they provide. This may lead to greater out-of-pocket costs for you and your family members.

 

Our process identifies dental solutions to help deliver better health outcomes.  Having access to a large national network makes it easy to find discounted care near home or work.

At SecureOne Life we are partnered with many nationally known carriers who provide excellent dental plans and services.  These are just a few of the carriers we are associated with.  We have the capability of quoting the best, most suitable options based on needs and financial capabilities.  We have also provided links to several plans available online if you would like to enroll directly with the carrier.  Either way we are available to discuss your immediate needs.

Instant Quote

SPIRIT DENTAL INSURANCE

YOUR PAIN DOESN’T WAIT, WHY SHOULD YOU?

Whether you’re looking for individual, senior or family insurance we’ve got you covered, with guaranteed acceptance and no waiting periods*. With Spirit Dental, you’ll find the plan you need to maintain your oral health without draining your budget.

  • No waiting periods on any services
  • Guaranteed acceptance
  • Every date effective dates
  • Up to $5,000 annual maximum
  • 3 cleanings and 2 exams covered 100% per year Coverage for crowns, bridges, implants, dentures & root canals.

AMERITAS DENTAL AND VISION

Enjoy next-day coverage on most dental insurance plans. There are no enrollment fees with any plans. Preventive visits, such as exams and cleanings, are covered at 100% with network providers.

Each insurance plan offers benefits with any dental and vision care provider. The Ameritas Dental Network is one of the nation’s largest, and network providers offer savings of 25-50% on out-of-pocket costs. VSP and EyeMed vision plans include network savings on exams and eyewear.

VISION

WHAT VISION INSURANCE COVERS

Like health insurance, vision insurance can aid with the cost of examinations, treatments, prescriptions, surgical procedures, and equipment. Some of the things most covered by vision insurance plans include:

Eye exams. This preventive care measure is generally performed once a year and involves a series of tests to gauge the health of your eyes across several different parameters. The things tested for during an eye exam can include the sharpness of your vision, color blindness, how your eyes work together as a unit, a presence of glaucoma, your range of peripheral vision, and more. Eye exams can be instrumental in providing an early detection of eye disease, any developing vision problems, or a need for corrective lenses.

Eyewear. Glasses (frames and lenses alike) and contact lenses can be expensive but are often at least partially covered by vision insurance. Some vision insurance plans may limit coverage to eyewear purchased through your optometrist or a network-approved vision center. Sometimes, even prescription sunglasses may be covered.

Lens coatings and enhancements. Some vision insurance plans can help with the cost of a lens coating. Lenses can be coated with substances to decrease scratching, fog and moisture, reflections, and exposure to ultraviolet rays.

Surgery. Surgeries that are deemed medically necessary, such as a procedure to treat an eye injury, infection, or disease, will often be covered by a health insurance plan. But corrective surgery, such as LASIK, is generally not covered by health insurance because it is deemed by many insurance providers to be an elective or “cosmetic” surgery. However, there are some vision insurance plans and discount programs that will partially cover such elective procedures.

Read More

HEALTH

HOW TO CHOOSE THE RIGHT HEALTH INSURANCE PLAN FOR YOUR FAMILY

It is advisable to define your coverage needs first. Do your children have medications that they will need year-round?  How often do they get ill or injured? How often do you or your spouse get sick? Is there a trusted doctor or specialist you would like to continue visiting? Once you have answered these types of questions, you can determine the level of coverage you may need.

Next, try estimating how much you can spend on health insurance each month. Estimate what you can spend on premiums as well as copays, coinsurance, and deductibles. If you visit the doctor often or have small children that require regular visits, a low premium and high deductible plan may not be in your best interest. But if your family is generally healthy, it may work to your benefit.

Finding the right health insurance plan for your family may seem like a difficult balancing act between coverage and cost, but it does not have to be. With our access to multiple plans, we can compare coverage, premiums, and out-of-pocket costs, making it easy for you to enroll in a plan most suitable to you and your family needs.  After answering a few short questions, we can search from plans available in your area and give you a customized ranking of plans based on your preferences.

HOW THE ACA AFFECTS HEALTH INSURANCE FOR FAMILIES

In the health insurance industry, health insurance plans for families are those that include “dependent coverage.” The Affordable Care Act has mandated that all qualified (ACA approved) individual and group health insurance plans must offer dependent coverage for children (until the age of 26).  So, as long as you are shopping for health insurance plans that are ACA approved, you will be able to find family plans.

AFFORDABLE HEALTH INSURANCE PLANS

Shopping for a new plan? During the 2021 Special Enrollment Period, you can enroll in an individual and family health insurance plan without a qualifying event, such as job loss or birth of a child.

You may also qualify for a new, higher premium tax credit and a cost-sharing reduction to help lower your health insurance premium and total out-of-pocket costs. Review our plans and apply, today.

The cost of medical care, especially hospital stays, can quickly add up. Hospitalization insurance, also sometimes called Hospital Insurance or Hospital Indemnity, can help you prepare your budget for unexpected medical costs resulting from a hospital stay.

CRITICAL ILLNESS INSURANCE

WHAT IS CRITICAL ILLNESS INSURANCE?

Critical Illness insurance underwritten by Golden Rule Insurance Company, also referred to as Critical Care insurance or Critical Illness coverage, provides a lump-sum cash benefit to help cover expenses associated with a qualifying serious illness.

Critical Illness can strike at any time. We’ve all heard stories of friends or family members who have been affected by a serious illness. What we don’t hear is how the financial strain may also have a major impact during this trying time.

A primary health insurance plan may cover some health care costs, but oftentimes the patient will face other challenges such as paying everyday living expenses while out of work. That’s when a Critical Illness plan can come into play.

ADVANTAGES OF A CRITICAL ILLNESS PLAN

  • Tax-advantaged, cash benefit
  • Flexibility to allocate money as needed
  • Simple application of questions with yes or no answers
  • Various maximum lifetime benefit amounts from $10,000 to $50,000

ADVANTAGES OF A CRITICAL ILLNESS PLAN

Combine plans

Pairing a Critical Illness plan with other health insurance products like Short Term Medical, Dental, Term Life and Accident products can help build a more comprehensive coverage package. Talk to a Product Advisor about your options.

HealthCare.gov is a government site create to help everyone, anywhere apply for healthcare.  You can enroll in health plans due to the COVID-19 emergency through August 15, or anytime if you have certain life changes or qualify for Medicaid or CHIP.

The mission of the U.S. Department of Health and Human Services (HHS) is to enhance the health and well-being of all Americans, by providing for effective health and human services and by fostering sound, sustained advances in the sciences underlying medicine, public health, and social services.

Enrollment can be a challenge and qualifying for certain plans can be restrictive based on income.  Some of the information found in our Medicare and Medicaid page may be useful.

HealthCare.gov

Not sure what you need? Let us help you eliminate the guess work to make sure your life’s work is protected from the unexpected.

  • We can review your current plan or policies to insure they still meet your goals.
  • Let us provide a no cost insurance policy and/or plan review to make sure your life’s work is protected from the unexpected.
  • We can review any life changing events like weddings, death, college, divorce, new family additions, promotions, or home purchase.