Dr. Jig Patel Helps Patients Optimize their Benefits for Treatments Like Laser Dentistry

Dr. Patel listens to what you have to say, and everything he said was right on and honest.

Schaumburg, IL (PRWEB)
November 05, 2019

Schaumburg Dental Studio is helping patients take advantage of their dental insurance benefits with their yearly, “Use It or Lose It” campaign. Patients who do not use their dental insurance benefits by the end of the year will not have them roll over into the next year. Schaumburg Dental Studio is compassionate towards patient needs and budgets, so the Schaumburg, IL practice is helping patients make the most of their dental insurance with treatments like laser dentistry or gum disease care before the benefits are lost.

“If I could say one word, they’re honest,” says a patient of Dr. Jig Patel at Schaumburg Dental Studio. “Dr. Patel listens to what you have to say, and everything he said was right on and honest. We have been to other places, and what they said compared to what we had done, it was like night and day.”

The “Use It or Lose It” campaign’s goal is to spread awareness of dental insurance that is about to expire by the end of the year. Many patients are able to discount treatments by utilizing their dental insurance. Schaumburg Dental Studio offers leading dental care with state-of-the-art technology and treatments. The team of dentists are compassionate about patient care and strive to give each patient the treatment that is best for them, their smile and their budget.

One of the most important treatments that the practice offers is gum disease care. Gum disease is one of the most common conditions affecting Americans, with virtually half the population affected to some degree. Without proper gum disease care, patients are at risk of losing their teeth or of the infection spreading to surrounding areas of the body. With gum disease treatment, the dentists can cleanse infected areas of the mouth and save teeth as well as improve the patient’s oral and overall health.

Schaumburg Dental Studio offers patients a modern, minimally invasive solution to gum disease treatment with laser dentistry. Using gentle laser light, gum disease can be eradicated from the mouth without involving sutures or scalpels. Additionally, there is virtually no bleeding and discomfort is minimal, so most patients do not require anesthetic. Laser dentistry can also be used for other soft tissue treatments that are not related to gum disease, such as a frenectomy and gummy smile care.

Patients who need to use their dental insurance benefits before they expire or those who want to be evaluated for gum disease at the Schaumburg, IL practice are encouraged to schedule an appointment by calling 847-348-8673 or visiting the website at http://www.schaumburgdentalstudio.com.

About the Dentists

Schaumburg Dental Studio is a general and cosmetic dental practice offering personalized dental care to patients in Schaumburg, IL since 2004. With over 30 years of combined experience, Drs. Jig Patel, David Neumann and Muizz Merchant provide cutting-edge care including dental implants, laser gum disease therapy, orthodontics and cosmetic dentistry treatments. Dedicated to their patients, this team frequently participates in community charities including the Dentistry from the Heart program each year. A patient-centered office, the entire team at Schaumburg Dental Studio strives to offer leading-edge treatments using the latest technology while also making them affordable for their community. To learn more about Dr. Patel, Neumann, Merchant, Schaumburg Dental Studio or the services they offer, visit their website at http://www.SchaumburgDentalStudio.com or call 847-348-8673 to schedule a custom consultation.

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John Clifford, COO of Ensurem, discusses how their IoT solutions are helping simplify the complex Medicare process.

“What seniors need is a clear, reliable way to winnow through the available offerings and find the plan that best suits their needs and budget.”

CLEARWATER, Fla. (PRWEB)
November 05, 2019

Every day, 10,000 baby boomers turn 65, making Medicare plans the fastest-growing segment of the health insurance market. Insurance carriers are responding to the opportunity; since the 2019 open enrollment period, there has been a 32 percent increase in the number of available Medicare Advantage plans [1].

“The stakes are high—making the wrong choice can have serious consequences in terms of financial exposure—and there is a very broad range of options,” says John Clifford, COO, Ensurem LLC, an online, multi-carrier insurance brokerage and technology firm at the very forefront of innovation within the marketplace. “What seniors need is a clear, reliable way to winnow through the available offerings and find the plan that best suits their needs and budget.”

To help consumers and insurance carriers navigate this crowded landscape, Clifford defines what is needed:

1. A platform serving as an insurance broker on one side and;

2. A provider of tailored product information and purchasing opportunities on the other

Ensurem, conceived as such a platform, is an online consumer marketplace designed to educate visitors and rapidly match customer to product, simplify application, automate underwriting and instantly provide finished documents. They now offer services of Aetna, Humana, Ameritas, Cigna, Mutual of Omaha, Anthem, Catholic Life Insurance and more.

To complement their online platform, the company recently launched 4,500 first-in-industry kiosks in pharmacies and retail locations throughout the nation using their innovative IoT software to simplify the process for seniors as well as assist the inundated agencies.

“We log 2,000+ calls per day in our call centers from bewildered senior citizens,” Clifford says. Some of the complexity of today’s marketplace, he notes, stems from insurers’ need to balance attractiveness to consumers (there are Medicare Advantage plans with zero-dollar monthly premiums) with risk. Some of it, however, is due to the government’s Medicare rules themselves. Enrollees, for example, are required to sign up during a seven-month period surrounding their 65th birthday. Failure to do so leads to stiff late enrollment penalties that continue for life [2].

But that is not all that is confusing. The varying names given to Annual Enrollment Period (AEP) and Open Enrollment Period (OEP) in the media–which are different animals and different time frames—is just one tiny example as to its confusion. Here are a few ways AEP is referred to in recent news stories:

• “Annual Open Enrollment Season”
• “Do-Over Window”—referring to OEP
• “Annual Open Enrollment Period”
• “Annual Medicare Open Enrollment Period”

Another point to compound the misunderstanding:

• News reports state that people who are still employed at 65 and want to defer Medicare enrollment to continue with their employer-provided coverage may do so, as long as they are working. If they leave their job and continue private coverage through COBRA; however, they become late enrollees, which means they must wait for a General Enrollment Period that runs from January 1 to March 31—with Medicare coverage not beginning until July 1 [3].
• Yet Ensurem explains that People over 65 whom have missed their IEP (Initial Enrollment Period) do still receive a special enrollment period after losing group coverage, regardless of if they enroll in COBRA. They can also technically be enrolled in COBRA & Medicare at the same time.

“These rules are specific to Original Medicare (government funded) Parts A & B. Medicare Advantage and Medicare supplement insurance—both provided by private insurance companies—have their own set of enrollment regulations,” says Clifford.

On top of narrow enrollment windows, there are limited periods of time when enrollees can make any changes to their coverage. One of those being Medicare Annual Enrollment Period from October 15 – December 7, during which Medicare beneficiaries can switch from Original Medicare to Medicare Advantage, or vice-versa, as well as switch Medicare Advantage plans.

Meanwhile, there are now 22 million people enrolled in managed-care Medicare Advantage plans [4], which continue to change in ways that encourage both increasing enrollment and greater complexity. These include loosened marketing restrictions, increased use of telehealth, the elimination of “meaningful difference” tests limiting the number of plans offered in a given market and additional time for plan sponsors to secure a provider network [5].

Confused much? That’s the point.

“The Medicare solutions market today, including both Medicare Advantage and Medicare Supplement insurance,” Clifford says, “has a lot of room for improvement in the way of decreasing costs, providing easier-to-understand consumer information, and increasing efficiency in the buying process.”

He points out that Ensurem’s technology solutions have been a welcome advancement in facilitating the roll of the agents.

In 2019, Ensurem will have tripled its business from 2018, its first year of full-scale operation, scaling up from three to 90 employees since its launch and expecting to almost double in size next year. The company’s goal is basically to make insurance into a 21st-century industry.

About Ensurem:

Ensurem, headquartered in Clearwater, FL, is a leading technology and product distribution company serving carriers and consumers within the massive U.S. senior market. The company provides end-to-end solutions for carriers, including product development, digital marketing, and consumer-centric front ends and back end. For more information, please visit http://www.Ensurem.com.

1. Coombs, Bertha, “The 2020 Medicare enrollment season brings fierce competition for baby boomers among insurers,” CNBC, October 16, 2019.

2. “Part B late enrollment penalty,” Centers for Medical and Medicaid Services, October 2019.

3. Miller, Mark, “If You Do Medicare Sign-Up Wrong, It Will Cost You,” New York Times, January 31, 2019.

4. “Medicare Advantage/Part D Contract and Enrollment Data,” Centers for Medical and Medicaid Services, December 31, 2018.

5. Adelberg, Michael, and Rodriguez, Kristin, “Medicare Advantage is nudging aside ‘old Medicare’ with a free ride, a warm meal, and a handyman,” Stat News, April 3, 2019.

“Liability coverage is a must for every driver. Buying more than the minimum is, however, up to you”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
November 04, 2019

Compare-autoinsurance.org has released a new blog post that presents the main rating factors used by companies to determine car insurance rates.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/top-factors-that-affect-auto-liability-insurance-prices/

Before issuing a policy, companies will carefully scan the potential client. Some factors are extremely relevant and will influence the overall costs. These are:

• 
  The minimum imposed liability. Each state, except New Hampshire, imposes a minimum liability insurance responsibility in order to legally drive inside that state. As the state is the one who imposes the minimum liability requirements, the minimum price of liability insurance is not up to the policyholder. Depending on which state he lives and the imposed minimum requirements, the minimum price of liability can vary a lot.
• The driving history. For insurance companies the driving history of a customer is critical, to determine his premium rates. Depending on past traffic violations and claims, the insurer can decide to increase or decrease the price paid on the liability insurance
• Car model. There are a number of factors concerning the vehicle that can influence the price of liability insurance. Factors like car ownership, car make, model, age, installed safety devices, installed anti-theft devices, safety rating, value, condition, play a significant role when an insurer determines liability insurance rates. For example, a slightly used SUV, or family van will pay lower liability insurance rates than a new imported sports car.
• The coverage limits. It’s up to the policyholder to decide the coverage limits, thus increasing or decreasing the overall costs. Online rates calculators allow users to simulate different coverage limits and receive cost estimates really fast

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit https://compare-autoinsurance.org/

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