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Hey folks, this is Steven Martinez with Magnolia Insurance Benefits and I wanted to go over
one of the plans that I'm writing the most.
It's a Dental, Vision and Hearing plan and it seems to be the most popular because it's
very versatile and will.. fit everybody.
So, let's just go ahead and dig right into it.
It's a one plan for all.
You can use any dentist, optometrist, or audiologist.
NO NETWORKS!
You just go to who ever you are currently using and you're not gonna have one problem
with this at all.
We're gonna get that coverage for you.
Another big thing about this plan, is there's no lower limitation on vision or hearing coverage.
Alot of 3-in-1 plans will limit you on your vision and hearing, but not this one, this
one has that $1,500 benefit across all 3 services there so you're going to be able to get coverage
on all of that.
Move on to the increasing benefit, your first year, it's going to pay 60%.
The second year it will 70%, and in your third year it will pay 80% and after that.
So, right up front this will cover cleanings, x-rays, teeth extractions, fillings, eye retractions
and hearing check ups.
These are all covered immediately.
There is a 6 month waiting period on glasses and contacts being covered.
And then a 12 month waiting period on some other things but once you are through that
first year, ALL policy services are covered at 70% and then 80% after the second year.
Now this includes but is not limited to; Hearing Aids, Root Canals, Bridges, Partials, Crowns,
Dentures, Whole Mouth Teeth Extractions, etc.
That's a big thing to note on this as well, we get asked alot if the major services are
covered on this?
Some policies will cover 100%.. or claim to cover 100% but then exclude all these major services
but not this plan.
It's going to go ahead and include some coverage on these major services, make a note of that.
Now, the prices for 64 year olds.
The $1,500 annual benefit for a 64 year old is $41 a month.
The prices are age based.
They do not increase for age as you turn 65, but if you wait until age 65 to take out the
policy, the premium would be $45 per month.
So you would a few dollars difference depending on what age you took out the policy.
As far as the availability.
Like I said, it's one of the most common plans because it does cover everybody, it is available
to people ages 18-85, children can be added to a family plan.
I just want to make a note that it's only up to 3 children max on these.
The policy is guaranteed renewable for life.
Although you can't get it after your 85, you can keep it in place past that if you already
have it purchased.
So, as long as you have it in place your going to go ahead and keep it for life.
The only way to lose it is to quit paying your premiums.
There is no contract, you can cancel it at any time.
So as I mentioned you can see this is very versatile plan, it's going to get you covered
in all the places.
If you have any more questions about this plan go ahead and give me call.
I'm excited to offer to you guys and I'm excited to be able to talk with you about it.
My number is 1-877-660-2131, again that's 877-660-2131 or you can reach me on my cell
901-857-1236 or find us on the web, magnoliainsurancebenefits.com.
I look forward to hearing from you, until next time.. take care!