Office Hours
M-F 9:00AM-5:00PM
McKinney, TX
Call Us Now
Stacey 214-923-6545
Shawn 214-531-3351
Dental/Vision/
Hearing
The Thomas Promise
Your Health. Our Priority.
We will work hard to earn your trust by finding coverage that fits your individual needs.
Why Might Dental Vision Hearing Be Right For Me?
Dental, Vision, and Hearing Insurance: Comprehensive Coverage for a Healthier You At Team Thomas Insurance- we understand that maintaining optimal health extends beyond standard medical care. Our Dental, Vision, and Hearing Insurance plans are designed to offer you comprehensive coverage, ensuring that all aspects of your well-being are protected.
Dental Insurance:
Our dental insurance plans cover a wide range of essential services, including routine check-ups, cleanings, X-rays, fillings, and more. Regular dental care is crucial for preventing serious health issues and maintaining overall wellness. With our coverage, you benefit from reduced out-of-pocket expenses for preventive and restorative treatments, making it easier to keep your smile healthy and vibrant.
Vision Insurance:
Good vision is vital for daily activities and overall quality of life. Our vision insurance plans provide coverage for eye exams, prescription glasses, and contact lenses. We partner with a network of top optometrists and eyewear providers, ensuring you receive the best care and the latest in vision correction technology. Protect your sight and enjoy clear, comfortable vision with our tailored vision plans.
Hearing Insurance:
Hearing health is often overlooked but equally important. Our hearing insurance covers hearing exams, hearing aids, and related services. With access to advanced hearing technology and professional care, you can address hearing issues promptly and effectively. Whether you need a routine check-up or a new hearing aid, our plans help you stay connected to the world around you.
Benefits:
Comprehensive Coverage: Enjoy peace of mind with extensive coverage options for dental, vision, and hearing care.
Affordable Premiums: Access quality care without breaking the bank. Our plans are designed to fit a variety of budgets.
Network of Providers: Choose from a wide network of trusted professionals for your dental, vision, and hearing needs.
Preventive Care: Emphasis on preventive services helps you avoid more serious health issues down the line. At Team Thomas Insurance, we’re dedicated to supporting your overall health with our Dental, Vision, and Hearing Insurance plans. Explore our options today and take the first step towards comprehensive care and a healthier, happier you.
Insurance carriers we work with on a daily basis:
How much do I have to pay for Medicare?
In 2024, the standard Medicare Part B premium amount is $174.70/month. If you didn't work long enough and pay Medicare taxes, you could also be required to pay a Part A premium (but most people don't). The Part B premium can be adjusted based on income. Right now they are looking at the 2022 tax return to determine if you will pay the standard amount or if they will charge you IRMAA (Income Related Monthly Adjustment Amount).
Do I have to sign up for Medicare if I'm still working & covered by my employer group health plan?
If you are still working and covered by your employer group health plan and your employer has 20 or more employees, you are able to delay Medicare enrollment without a penalty for late enrollment. Most people will go ahead and enroll in Part A, which is zero premium if you worked enough time and paid Medicare taxes. The only time you will not want to get Part A is if you have an HSA. Medicare plans don't have a high enough deductible for you to quality for having an HSA account. Find out more info here: https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/working-past-65. Many people continue to work after 65 but still go on Medicare insurance because it may be less expensive and have more benefits. Contact me to help you compare Medicare costs and benefits to your employer plan.
When can I sign up for Medicare?
Seniors can sign up for Medicare during several key periods:
Initial Enrollment Period (IEP): This period starts 3 months before you turn 65, includes the month you turn 65, and ends 3 months after your 65th birthday. This gives you a total of 7 months to enroll without facing any penalties.
Special Enrollment Period (SEP): If you or your spouse are still working and covered by an employer group health plan, you can sign up for Medicare Part B during this period. You have 8 months to enroll after your employment or coverage ends.
General Enrollment Period (GEP): If you miss the IEP and SEP, you can sign up between January 1 and March 31 each year. However, you might face a late enrollment penalty.
If you have any specific circumstances or need more details, feel free to ask!
Why should I use an independent agent?
As independent agents, we don't work for just one insurance company. We represent multiple companies including United HealthCare, Aetna, Humana, Blue Cross Blue Shield, Amerigroup, Cigna, Wellcare, Omaha, and more. Different companies and plans could be a better fit for different people.
We are able to help you by comparing plans available in your area that meet your needs. We will check networks to find out which plans your doctors accept, and will check drug costs to find the best Part D Drug plan for you. There is never any pressure. We are here to help answer your questions you have now and in the future.
We are able to help you get enrolled and help with plan changes in the future. Also, there is never any cost to use for our services and we take your privacy very seriously. Your info is never shared.
Who is eligible for Affordable Care Act?
To be eligible for health insurance coverage under the Affordable Care Act (ACA), also known as Obamacare, you must meet the following criteria:
Residency: You must lawfully live in the United States.
Citizenship: You must be a U.S. citizen, U.S. national, or lawfully present non-citizen
Incarceration Status: You must not be incarcerated
Medicare Coverage: You must not be covered by Medicare.
Additionally, the ACA provides financial assistance to help reduce the cost of health insurance for individuals and families with incomes between 100% and 400% of the federal poverty level (FPL). Some states have expanded Medicaid under the ACA, making more people eligible for coverage.
If you have any specific questions about your eligibility or need help with the application process, feel free to ask!
Stacey Thomas & Shawn Thomas are licensed and certified representative of Medicare Advantage and Part D Drug Plan organizations. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not affiliated or endorsed by any government agency.