Bishop Insurance

Open enrollment is the only time of year you can apply for cost assistance, switch plans, or enroll in a major medical plan that counts as minimum essential coverage in the individual and family market without qualifying for a special enrollment period. This is true both inside and outside the health insurance marketplace.

A Medigap policy is health insurance sold by private insurance companies to fill "gaps" in Original Medicare coverage. Medigap policies help pay your share (co-insurance, co-payments, or deductibles) of the costs of Medicare-covered services. When you are in Original Medicare and have a Medigap policy, then Medicare and your Medigap policy will pay their shares of covered health care costs. Insurance companies can only sell you a "standardized" Medigap policy. These Medigap policies must all have specific benefits.

Short-term major medical plans normally can be issued quickly just by answering a few questions, and are also fairly inexpensive. Short-term major medical plans have their place but there are some limitations that should be understood. The definition of a pre-existing condition varies from state to state, however, a short-term health insurance plan would exclude coverage for any conditions that have diagnosed or treated within the last 3 - 5 years.If you currently do not have insurance, and there is no form of permanent or group health insurance in sight, we recommend that you purchase a permanent health insurance plan instead of a short-term major medical plan.

Diabetes - Periodontal infections contribute to problems with glycemic control, which compromises the health of diabetic patients. Heart disease - The inflammation associated with periodontal disease has a high potential to contribute to coronary artery disease. Pregnancy - Studies have indicated that mothers with high levels of certain bacteria in the mouth were found to have children with similarly high levels of bacteria, along with a higher risk of tooth decay.Since the majority of dental care is preventive, many dental insurance plans cover only preventive care and basic procedures, such as cleanings and fillings.