Mutual of Omaha offers two dental plans* Mutual Dental Preferred and Mutual Dental Protection insurance policies with an optional vision care rider** underwritten by Mutual of Omaha Insurance Company. The dental product is available in all states except: New Mexico, New York, Virginia and Washington.
While this product is positioned for individuals who are Medicare eligible the issue age is 19 – 99 for these policies. For more information and to see rates view the Dental Insurance Product and Rate Guide.
Medicare supplement and Dental Insurance – Better Together
You have a built-in target market. If you are selling Medicare supplement, there are a number of reasons you should be offering your Medicare clients a dental policy.
First, good dental care is important to overall health. But do you know Medicare doesn’t cover dental services? That means dental bills have the potential to take a bite out of people’s savings.
Second, there is a need among individuals age 65 and older for dental insurance.
- 87% of this group still have their natural teeth
- Due to cost, 1 in 5 of them has untreated tooth decay and fewer than half see a dentist even once a year
- Only 12% have dental insurance
Third, it is an easy sale. If you are taking a Med supp e-App the dental plans are quoted up front and with a few simple questions at the end of the app you can complete a dental sale. Also, all Med supp paper apps have the dental application included in the application book. And with our mobile quote app you can provide your clients a quote on the spot.
You may order marketing materials through normal channels. You can also view/download items on SPA in Forms and Materials under a new Product Type – Dental.
On Sales Professional Access (www.mutualofomaha.com/broker) you can access the Dental e-App, view available marketing materials and more.
Make sure you are providing your Medicare clients insurance for all their health care needs.
* Only Dental Preferred available in Alaska.
** Vision Rider not available in Maryland.
Aetna’s Dental, Vision and Hearing product has been our most successful product launch to date. And while we believe that we have the best product out there today, a lot of the success can be attributed to market need. Numbers/percentages vary, however a study published by the Henry J. Kaiser Family Foundation states that 65% of those people on Medicare have no dental coverage, and almost half (49%) had not been to the dentist in the past year.*
Dental, Vision and Hearing is a guaranteed issue product that’s available to virtually all ages for about $1 per day. Don’t just limit yourself to the senior market…put all 74 million people in play!
*Freed, Meredith, et al. “Drilling Down on Dental Coverage and Costs for Medicare Beneficiaries.” The Henry J. Kaiser Family Foundation, 13 Mar. 2019, bit.ly/2TIpneA.
Kaiser Family Foundation analysis of the Medicare Current Beneficiary Survey (MCBS) Cost Supplement, 2016. Excludes beneficiaries in long-term care facilities as they do not collect data on dental utilization.