Together Let’s Ensure Your Care is Covered
Contact Us
info@prestonsquared.com
Oregon
(503) 547-7397
4550 Kruse Way, Plaza II Suite 125
Lake Oswego, OR 97035
Washington
(360) 984-6164
4001 Main Street, Suite 322
Vancouver, WA 98663
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Medicare Plans
Original Medicare (Part A & Part B) doesn’t pay for everything. Medicare plans are offered by private insurance companies and designed to reduce your out-of-pocket costs. They can also provide additional coverage beyond Original Medicare for things like dental, vision and prescription drug coverage.
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Dental Plans
A stand-alone dental policy is a separate insurance plan just for dental coverage, purchased on its own, not bundled with health insurance.
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Hospital Indemnity Plans
Hospital indemnity insurance is a supplemental policy that pays you cash benefits for each day you’re hospitalized, helping cover out-of-pocket costs like deductibles, copays, groceries, or childcare that your primary health insurance might not.
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Life Insurance Plans
Life insurance provides a tax-free lump sum of money to loved ones in the event of death, allowing them financial protection and the ability to maintain their standard of living as they continue toward their financial goals. It’s a value asset that gives peace of mind that they’ll be taken care of.
Coverage Beyond Standard Dental Care
Stand-alone dental plans offer flexibility to cover routine cleanings, major procedures (like crowns and implants), and orthodontics that basic health plans often do not cover. These plans are ideal for those whose main health coverage lacks dental, or those who want more comprehensive coverage than their current plan allows.
Types of Dental Services
- Type 1 dental services are standard “Preventive” services, like cleanings, exams and x-rays.
- Type 2 services are called “Basic” and cover fillings and simple extractions.
- Type 3 services are classified as “Major” and cover implants, dentures, oral surgery, root canals, and crowns.
Benefits
Annual benefit amounts can range from $1,000 to $3,000 with the option to see any dentist.
Coverage can often begin the next day with preventive care covered 100% at an in-network provider. Some plans also provide a child orthodontia benefit.
Network
Most plans will reimburse any dentist who submits a claim. The Maximum Allowable Charge (MAC) claim allowance is the maximum amount a network provider may charge. If a policyholder selects a network provider, they may have lower out-of-pocket costs. If they visit an out-of-network dentist, the claim allowance is considered at the Maximum Allowable Benefit (MAB), which is equal to the lowest network contracted fee in the ZIP Code area. Policyholders pay the difference between what the plan pays and the dentist’s actual charge.
Frequently Asked Questions
Is there a fee for P2 services?
No, we do not charge a fee to the client for our services.
How long has P2 been offering insurance products?
P2 has over 30 years of combined industry experience.
What is the difference between a Medicare Supplement Policy and a Medicare Advantage Plan?
A Medicare Supplement policy, sometimes called “Medigap,” is a private insurance policy that can help pay for some of the health care costs that Original Medicare doesn’t cover. Medicare Advantage Plans are network-based plans offered by private insurance companies that have a contract with Medicare and provide additional benefits beyond Original Medicare like vision, hearing and dental benefits.
How do you qualify for a Medicare Advantage Plan?
You must have Original Medicare Part A and Part B, live in the plan service area and not have End-stage renal disease requiring dialysis.
Does Medicare pay for long-term care services?
No, Medicare covers medical expenses related to illness or rehabilitation. Skilled Nursing is covered by Medicare for up to 100 days if you qualify for a skilled medical need. Long-term care services involve someone needing assistance with activities of daily living such as bathing, dressing, grooming and eating.