Arguably the easiest insurance to understand and a great way to get your foot in the door with new clients, join me, Brad Sumski, Ancillary Marketing Specialist here at Ritter Insurance Marketing, as we cover everything you need to know about dental, vision, and hearing insurance. Let’s get started. What is dental, vision, and hearing insurance? Well, it’s exactly that. It is coverage for dental, vision, and hearing services. It’s the number one asked about product during client meetings. It’s also the most relateable insurance. Your clients have either had or have heard about dental, vision, and/or hearing insurance in the past. Alright, so let’s jump in to the basics. Medicare, Medicare Supplements don’t offer dental insurance. Now, Medicare Advantage plans, if they offer dental insurance at all, or dental coverage at all, it’s lacking comprehensive insurance coverage. So, let’s simplify this and look at dental insurance specifically. The plans are guaranteed issue. The coverage for a multitude of different services – basic, major, and preventive services. Preventive services, such as your cleanings and exams. Basics – fillings, simple extractions, etcetera. Major services, such as surgical extractions, root canals, etcetera. So those three coverage groups are covered under a calendar year maximum. They’re based on a set of percentages, whether it be 100% coverage to 50% coverage based on the plan itself. Now that calendar year maximum is what the insurance company will pay for those services based on those percentage benefits. So dental insurance plans either off a network or services covered for out of network. What this means is, they have a series of doctors or dentists within their network that will offer discount pricings for their select services. Plans also offer out of network benefits, meaning a client can go to whichever dentist they would choose and get services, usually at a more increased price, however they would still receive some type of insurance benefit. So, maybe you’re wondering what the need for dental insurance actually is? If you look here on the screen, in the first column, you can see the price, an average price for certain services with no insurance benefit. And if you look down the row of columns, you can see what the price out of pocket for you or your client would be if you had some type of insurance benefit there. You can see that number decreases as we go down the row of columns. Can you or your clients really afford to not have dental insurance? So, here are some frequently asked questions or statements that I generally get from agents. I’ve never really seen the value in dental insurance. Well, I’m going to refer you back to just a moment ago, to that cost comparison chart that I showed you. In the first column, once you get down into those major services, the price really gets a little hefty. As we go down the line of our insurance benefit you can see how that price is reduced. Not to mention the average cost for dental insurance is roughly $40 a month. On average, we can see $500 dollar annually, here or there. So another question or statement that I usually hear from agents is my client’s dentist doesn’t accept insurance or they’re not in the network. Well, dental insurance does offer out of network benefits to their clients. So all you need to do then, in this case, is to file a claim with the provider and they would receive some type of benefit. So another thing I hear from our agents is, I really don’t have the time to sell dental insurance. Well, with easy-to-understand benefits, eApplications or online enrollment, and the fact that it’s guaranteed issue, you’re not gonna spend time underwriting that client. These supplemental or additional products are going to be quick and easy to sell to that client. One more thing I tell our agents is if you won’t sell this product to your client, somebody else will. Sell one product to them, great. But if you sell two products to them, you’ve got a client for life. So if you have questions or want to learn more about dental, vision, or hearing insurance, or you want to learn more about the other ancillary products that we offer, ‘cause here at Ritter, we are more than Medicare. Just contact me, Brad Sumski. Just click the link in the description, and I hope to hear from you soon!