Monthly Archives: January 2024

Preventive Care Incentives in Dental Insurance

Dental insurance in and around Lakewood, CO, is a transformative approach gaining traction, especially with integrating preventive care incentives. This innovative strategy aims to encourage individuals to prioritize their oral health through a combination of financial rewards, enhanced coverage, and personalized guidance.

Financial Rewards for Regular Check-Ups

One of the key pillars of preventive care incentives in dental insurance is the provision of financial rewards for regular dental check-ups. Insurance providers may offer reduced co-payments or even full coverage for preventive services such as cleanings, exams, and fluoride treatments. 

Enhanced Coverage for Preventive Procedures

Dental insurance plans with a preventive care focus often feature enhanced coverage for preventive procedures. This may include a broader scope of covered services, such as additional cleanings or diagnostic screenings, specifically designed to identify and address potential oral health issues in their early stages.

Personalized Guidance and Education

Preventive care incentives go beyond mere financial perks. Many insurance providers offer personalized guidance and educational resources to policyholders. This may involve regular communication about the importance of oral hygiene, tips for maintaining healthy teeth and gums, and guidance on lifestyle factors that can impact oral health. Insurers aim to foster a proactive approach to preventive dental care.

Long-Term Health Benefits and Cost Savings

These incentives aim to promote long-term oral health and, by extension, overall well-being. Preventive care contributes to better systemic health by avoiding tooth decay and other oral issues. By investing in preventive measures, dental insurance providers align their interests with the well-being of policyholders, leading to potential long-term cost savings for both parties.

How Colling Insurance Services Inc. Can Help You

At Colling Insurance Services Inc., we can help answer questions concerning dental insurance. We serve the Lakewood, CO, area. Call us today.  

Health Insurance vs. Long-Term Care Coverage

For most Coloradans, health insurance comes to mind when they think about coverage for medical services. However, other kinds of policies can benefit you when an accident or serious illness occurs. One example is long-term care insurance. Let’s look at these two types of coverage and how they differ.

Long-Term Care

People sometimes need long-term care when they develop incurable illnesses, suffer significant injuries, or otherwise become disabled. In addition to various medical services, it includes assistance with things like preparing meals and getting dressed. Services may be provided at your home and a long-term care facility. They usually aren’t covered by regular health plans or Medicare, so LTC insurance is available separately. Many policies cover these services for several years, but some provide coverage regardless of how long you need long-term care.

Health Insurance

Most health plans in the Lakewood, CO, area cover various medical diagnostics, treatments, therapies, and medications. Some plans come with eye or dental benefits, but most insurers offer them as separate policies. Medical insurance generally includes coverage for doctor appointments as well as hospital visits. While a health plan might cover an overnight stay at a hospital, you’ll probably need long-term care insurance if medical services become necessary for an extended period.

Colling Insurance Services, Inc. offers medical and long-term care coverage. Health and LTC plans mostly cover different types of services; when possible, it’s best to have both rather than choosing between them. Our independent agency in Lakewood, CO has served the Denver area for over 65 years. We work with more than ten major insurers to find the ideal solution for each customer. Please call 303-987-3331 for a free quote or more information from Colling Insurance Services, Inc.