Dental Insurance

Hernando Post - News

Dental Insurance-Does it Help?

I was in a restaurant the other day and someone was in the next booth talking about dental costs being so high and how it was so hard to find a good dentist.  Soon the booth on the other side of them, a gentleman and lady, started to join in the conversation and then the waitress also joined the conversation. Why do I bring this up? Well this isn’t the first time this has happened to me. It has occurred several times and why, because when someone hears the word, dentist or dental insurance, people listen.  It’s what we call a, hot button word, in the industry; people want to hear more information about Dental insurance.

Many of us go to the dentist regularly for cleanings and x-rays, usually twice a year. If you’re lucky, ”which I’m not”, you have no cavities and you come back for your next cleaning in 6 months. If you’re like me, this is when you really need a dental plan to help you with the many costs for each dental procedure I need. Kidding aside, brushing your teeth well two to three times a day can make that dental visit that much more pleasant? As I have gotten older I take the time to brush much better than I did when I was younger and my visits to the dentist have required less dental work.

So, what is this dental insurance that is out there? Can it help me with the costs of dental care? There are many different types of dental insurance/coverage available. Too many perhaps because what plan is going to work for you? There are HMO’s, PPO’s and Indemnity plans.

With Indemnity plans you pay a monthly fee for the plan and when you use the plan based on the type of procedure the plan pays you an amount of money.  Doesn’t matter if the dentist charges you more or less you get a set dollar amount. This plan allows you to go to any dentist but you are more than likely paying more for dental procedures.

HMO dental plans, you have to use a network dentist and usually you pick one that is your primary dentist. You usually get basic cleanings for zero co-pay or low co-pay and pay a percentage for more detailed dental procedures like fillings, root canals or crowns. One of the lower cost plans we have to offer starts at $12/month premium.

PPO dental plans again usually have more dentist choices but usually have a higher monthly cost. Most PPO dental plans cover most dental procedures but at lower percentages in the first year. The Coverage increases up through the second and third year then remain constant thereafter as long as the plan stays in effect. Some of the plans we offer as PPO’s range from $35-$45/month.

Let us know at Accent if a Dental plan is something you’re looking for.  Call us at 352-666-7373.

The post Dental Insurance appeared first on Hernando Post.

65 and older Health Insurance

Hernando Post - News

Happy New Year!

With a new year comes a new beginning.  I am sure we all made new or old New Years resolutions and I  wish you all the best in achieving your new goals in the new year.

It was certainly a busy end to year 2018 with AEP (Annual Enrollment Period) starting in October and ending December 07th. Our office met with over 3,000 of our clients to review their Medicare plans with them, not many changed but some did. This is something all Medicare individuals should do, no matter what Medicare Option they may have selected things change from year to year. Medicare Advantage plans change copays, change benefits, medications can change as well and there can even be changes in which doctors are taking certain plans, so reviewing this information is important for you to do each year. Prescription Drug plans also should be reviewed as monthly premiums can change, copays for medications can change as well, as medications themselves are they covered this year or not. These are things our agents can help you go over each year. It is never to late to sit down with one of our agents and let them answer these and many other questions that you may have about your Medicare choices.


Not only were we working on Medicare these last few months but some in our office, including yours truly, were working with those trying to come and understand their under 65 health options or Obamacare changes. This open enrollment started in November and ended on December 15th. This year there were more options for those looking for under 65 health care. With the return of extended Short Term health policies, this gave many that could answer a few health questions a chance to really reduce their health care costs. I know of several individuals that I directly helped that reduced their monthly premiums by over 50%. Man does that make me feel good. Remember at Accent Insurance we are broker agents, which simply means we work for you. There were also health type indemnity plans that some individuals felt would work for them better than just Obamacare insurance. What was better this year is that there were more options to choose from. All I can say is that I hope the trend continues and with more options brings more competition which brings lower costs.

Accent will be working on continuing to be involved in our community. We like doing the various events that we have done in previous years, some for the last several years, but with the new year upon us, I hope we can do more this year. Supporting local groups, the YMCA, the Chamber, keeping our city roads clean, Kiwanis, the list can go on. Hope to see you out and about but in the case you have an insurance question, please give us. Call at 352-666-7373.


The post 65 and older Health Insurance appeared first on Hernando Post.


Register Now
Already registered? Login

Sign in to take advantage of all this site has to offer. Save your favorite listings and searches – also receive email updates when listings you like come on the market for free!
*Contact Information is NOT Shared*

Quick Search

view all



No Min.

No Max.

Robert Galbo
Robert Galbo
Galbo Realty
10184 Hernando Ridge Road
Weeki Wachee, FL 34613

Contact Us

Contact Us

* fields are required

Robert Galbo | 352-585-1088 | Contact Us 
Tampa: 10150 Highland Manor Dr, Suite 200, Tampa, FL 33610
Sarasota: 6151 Lake Osprey Dr, 3rd Floor, Sarasota, FL 34240
Weeki Wachee: 10184 Hernando Ridge Road, Weeki Wachee, FL 34613
Copyright © 2018  All Rights Reserved

Real Estate Websites by iHOUSEweb iconiHOUSEweb | Admin Menu