SONRISA FELIZ HOY: Únete a la revolución en seguros dentales - sin esperas, sin complicaciones, solo protección.
Presentado por Julia Barinova, MBA – Asesora de Seguros Licenciada y Corredora
👋 Vamos a conocernos
Hola, soy Julia Barinova, una Asesora de Seguros y Corredora independiente con sede en la ciudad de Nueva York, con más de 20 años de experiencia en servicios financieros - desde consultoría de inversiones y marketing de fondos de cobertura hasta planificación personalizada de seguros.
Soy apasionada por ayudar a las personas a protegerse a sí mismas, a sus familias y negocios de riesgos financieros devastadores - ya sea que surjan de enfermedades graves, pérdida de ingresos, necesidades de cuidado a largo plazo, o la pérdida de un ser querido - educándolos y construyendo estrategias de seguros inteligentes y personalizadas. También me encanta descubrir soluciones innovadoras que llenan vacíos críticos y ahorran dinero real en servicios esenciales como el cuidado dental.
PLEASE REVIEW YOUR OPTIONS
Choosing dental insurance today depends on your status, location, and treatment needs. Below are carefully selected plans from different associations, each suited for specific situations.
🔍 Options availible on this site
- EWA/Corenroll: for U.S. citizens and permanent residents only; Delta Dental PPO 1500 + MetLife PPO Platinum.
- Morgan White: no U.S. citizenship requirement; Delta Dental PPO no wait plan (covers implants) + Delta Dental immediate coverage PPO plus premier network + Guardian PPO (ages 50+). State restrictions applied - see below.
- NCD Dental plans powered by MetLife no citizenship requirement
- Ameritas Dental Plans no citizenship or SSN requirement
How These Plans Were Selected
We specialize in choosing plans with no waiting period only. These are the plans that made the most sense for most of our clients and dentists over years of real-world interactions. You are welcome to browse other available plans if they better fit your needs.
ELEVATE WELLNESS ASSOCIATION
(U.S. Citizens & Green Card Holders Only)
Nationwide PPO dental coverage plus access to Vision, Life, Critical Illness, Accident, and supplemental health benefits.
Association membership required: $5 per month.
Delta Dental PPO 1500
$1,500 calendar year maximum. All 50 states. No waiting on major. Implants included. No missing tooth clause.
- Beneficio anual: $1,500/ año calendario
- Beneficio Transferible – transfiere parte del beneficio no usado al próximo año
- SIN Período de Espera
- Cubre Dientes Faltantes
- Gran red nacional (disponible en los 50 estados – buscar Proveedores Delta Dental PPO)
RECOMENDACIÓN DE JULIA: Un plan confiable y económico. Excelente para familias. Mantendrá tus dientes saludables y limpios con costo mensual mínimo. Descripción Completa del Plan 📄
MetLife PPO Platinum
Up to $3,000 calendar year maximum. 12-month waiting period on major. No missing tooth clause.
Not available in: AK, ID, LA, ME, MD, MT, NH, NM, OR, SD, WA.
- Beneficio Anual Máximo Generoso: $3,000/año
- Deducible Anual Bajo: $25/persona, $75 familia basado en código ZIP
- SIN Cláusula de Dientes Faltantes
- Ampliamente aceptado (buscar Proveedores Dentales MetLife PPO – PDP Network)
- Ortodoncia infantil incluida (hasta $2,000 de por vida, menores de 19 años en el plan de los padres)
RECOMENDACIÓN DE JULIA: Mejor para aquellos que necesitan trabajo dental mayor (implantes, coronas, tratamientos extensivos) o cuyo proveedor está en la red solo con MetLife (te ahorrará más dinero). Por favor nota - período de espera de 12 meses. Descripción Completa del Plan 📄
📋 After Enrollment — What to Expect (CorEnroll / EWA Plans)
These plans are serviced by Delta Dental of Connecticut and MetLife. Regardless of where you live, the plan sponsor state is Connecticut — this does not affect your coverage or network access nationwide.
- Once enrolled through CorEnroll, you can create your personal account at corenroll.com or in the CorEnroll mobile app to: view plan documents, explore additional benefits, and contact your representative.
- Coverage starts on the 1st of the month (if enrolled by the 20th of the prior month).
- Your information may appear in the carrier system by mid-month — schedule your first visit after that for smooth verification.
To track claims and EOBs, create an account with MetLife (metlife.com) or Delta Dental once your enrollment is active (usually by the 10th–15th of the month).
Important: We are not in a position to discuss your specific benefits with dental providers on your behalf. Below are the carrier contact numbers — they will be able to assist you directly with any coverage or claims questions.
🔹 Delta Dental of Connecticut: 1-800-452-9310
🔹 MetLife Dental: 1-800-275-4638
MORGAN WHITE PLANS
Open to everyone (no citizenship or Green Card requirement). Vision plans available. State eligibility applies.
- ✔ No U.S. citizenship or residency requirement, no SSN number
- 📍 Available States: AL, CA, DC, DE, FL, GA, NV, PA, TX
- ⏱ No waiting periods (coverage starts first day of enrolled month)
Delta Dental PPO No Wait
$2,000 annual maximum. Implants included. No waiting. Available in: AL, CA, DC, DE, FL, GA, NV, PA, TX.
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- Implants: included
- Waiting period: none
- Missing tooth clause: applies (California exempt)
- Cost varies by state
- $100 deductible per year per person
- $35 enrollment fee (non-refundable)
- 30-day cancellation required
PDF: Full Plan Description
Best for immediate implant coverage and comprehensive dental treatment. Review the Missing Tooth Clause if outside California.
No Wait Plan Documents
Delta Dental PPO Plus Premier
$3,000 annual maximum. No waiting on major. No implant coverage. Available in: AL, CA, DC, DE, FL, GA, NV, PA, TX.
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- Implants: not covered
- Waiting period: none
- Missing tooth clause: applies (California exempt)
- Cost: from about $55+/month
- $100 deductible per year per person
- $35 enrollment fee (non-refundable)
- 30-day cancellation required
PDF: Full Plan Description
Best for immediate coverage for major procedures such as root canals, crowns, extractions, and bridges. Does not include implant coverage.
Delta Dental Documents
Guardian Plans (Age 50+)
Available in all states except: AK, MA, MD, NM, NV, NJ, VA, WY.
- Open to clients age 50+
- No U.S. citizenship or Green Card requirement
- No waiting period on major services
- Missing tooth clause applies
- No family plans (individual and couple enrollment only)
Guardian Select Achiever
$1,750 annual maximum. Implants included. No waiting.
- [object Object]
- Implants: included
- $1,250 lifetime implant cap
- Missing tooth clause: applies
- Cost varies by state
- $50 deductible
- $35 enrollment fee (non-refundable)
PDF: Full Plan Description
Best for clients 50+ seeking broad coverage including implants. Strong option as a secondary plan for major procedures.
Guardian Select Complete
$1,250 annual maximum. No waiting. No implant coverage.
- [object Object]
- Implants: not included
- Waiting period: none
- Cost: from about $46/month
- $50 deductible
- $35 enrollment fee (non-refundable)
PDF: Plan PDF
Best for affordable overall coverage for age 50+ with strong preventive and basic benefits, and 40% major coverage. Does not include implant coverage.
Guardian Documents
📋 After Enrollment — What to Expect (Morgan White Plans)
These Delta Dental plans are serviced by Delta Dental of Georgia. Guardian plans are serviced by Guardian. Regardless of where you live, the plan sponsor state is Georgia — this does not affect your coverage or network access in your state.
- You will receive your enrollment package upon completion of enrollment and payment of applicable premiums/enrollment fees, or a few days prior to the selected effective date.
- The enrollment package will include your Certificate of Coverage and I.D. cards, sent via email from noreply@morganwhite.com.
- The one-time non-refundable enrollment fee, plus your first month's premium, is due at time of enrollment. Bank/Savings account — please allow up to 3 business days to process. Credit/Debit Card — will be taken immediately.
- On your bank/credit card statement, the charge will appear as: Insurance 8888593795.
Key Contacts:
🔹 Billing questions & plan changes: Call Morgan White Group at 1-877-759-5726, or log into the Client Portal at my.mwadmin.com. You may also email individualchanges@morganwhite.com.
🔹 Eligibility & benefits: Contact Delta Dental at 1-877-759-5726.
Important: We are not in a position to discuss your specific benefits with dental providers on your behalf. Please use the contact numbers above — the carrier and administrator will assist you directly with coverage, claims, and any plan changes.
OTHER OPTIONS
Estamos trabajando en agregar más opciones de seguro dental sólidas para usted. Pronto estarán disponibles revisiones detalladas de los planes de Ameritas y los planes de NCD que utilizan la red de MetLife. Mientras tanto, no dude en consultar estos planes a través de los enlaces a continuación y contáctenos si desea ayuda para elegir el adecuado. podrá estudiar, elegir e inscribirse en los planes con estos enlaces.
📞 SUPPORT, ADMINISTRATION, AND SELF-SERVICE
- EWA/Corenroll: enrollment, plan administration, and account questions go through the EWA/Corenroll platform.
- Morgan White: billing and eligibility updates go through Morgan White; claims and benefits processing go through the carrier.
- NCD: plan administration and support go through NCD and the plan portal.
This page is structured for self-service. Please enroll through the matching source link and contact the same entity directly for administrative questions.
💙 Final Note
We selected these plans because they consistently made the most sense for the majority of our clients and dentists over many years. You are always welcome to browse additional plan options if another fit serves you better.
👉 Please review carefully, use the source-specific enrollment links, and choose the option that best matches your needs.
— Julia Barinova
📇 Contacta a Julia Barinova, MBA
📢 Te invito a conectarte conmigo y programar una consulta gratuita para discutir tu planificación de seguros - incluyendo protegerte a ti y a tus seres queridos con seguro de vida con beneficios vivientes, cobertura de discapacidad, cuidado a largo plazo, y cualquier otra pregunta que puedas tener. Habiendo vivido y trabajado en EE.UU. por casi 30 años, estoy feliz de apoyar a nuevos inmigrantes con información valiosa y recursos para ayudarlos a construir una mejor vida.
Gracias por tu interés y tu negocio.
Julia Barinova, MBA
Corredora de Seguros Licenciada
Licencia de Seguros NYS LA-937924
📞 Teléfono:
347-922-8037
🌐 Sitio Web:
www.juliabarinova.com
📧 Email:
julia@juliabarinova.com
📅 Reservar una Llamada:
calendly.com/jbarinova
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Reseñas de Clientes Agradecidos
Alla Shtilvasser
I am a manager of a General Dental office in San Francisco, CA. Julia and I discussed her offering of individual dental plans, MetLife Dental PPO and Delta Dental PPO for our patients and we decided to suggest purchasing such insurance to them to reduce their cost of treatments. We have good experience with both companies so far collecting payments, and patients are obviously happy to save money. It is very convenient for us and the client that there is no waiting period for crowns and implants. Julia treats people very well, explains everything in detail regarding coverages, suggest the right one for each patient. She is easy to work with. I highly recommend her as a broker for dental insurance.
David T.
I met Julia through my Dentist. She assisted me with getting dental insurance which had no waiting period. It covered everything I needed to get done. She's excellent in what she does. I am extremely happy with her service. She is very knowledgeable, professional and gets the job done. I recommend her very highly.
Thomas Vizirov
I was recommended by my dentist to Julia Barinova to help me with dental insurance for 4 implants. She helped me save so much on them by explaining and providing the correct insurance plan that would help save money. I saved over $3000 with her help. And the best thing of all, there was no waiting period and the insurance always paid out. I 100% recommend her to anyone I know who needs this kind of help. Thank you so much Julia.
chessrookie77
Julia took my case personally and very professionally, and helped me with a good insurance plan that covered about 50-60% payments over three years with 2 teeth implantations (extraction and crown included), 2 root channel teeth (including crowns). Highly recommended!
Kate
Yulia helped me choose dental insurance, which turned out to be very beneficial for me. She explained everything in detail and how the insurance would work. And that's exactly how it turned out. I'm satisfied with the insurance.
Viktoria Dubinevych
Julia provided an exceptional experience from start to finish with Insurance for implants. She was professional, knowledgeable, and truly attentive to my needs. They took the time to explain my options clearly, ensuring I understood the coverage I was getting. Their recommendations were tailored and cost-effective, saving me both time and money. Communication was seamless, and they were always available to answer questions. I highly recommend her
Olga Olga
ЗДРАВСТВУЙТЕ! ХОЧУ ВАМ ПОРЕКОМЕНДОВАТЬ Прекраснейшего брокера по стоматологическому страхованию Мед.Лайф- Джулию Баринову. Она достойна лучших похвал, как профессионал своего дела, высококвалифици рованный специалист в этой области. ОНА ОФОРМИЛА МНЕ ГОД НАЗАД ЭТУ СТРАХОВКУ И Я ОЧЕНЬ ДОВОЛЬНАЯ ЕЕ РАБОТОЙ. ОНА СПОКОЙНАЯ, ТЕРПЕЛИ ВАЯ, ОТВЕТИЛА НА ВСЕ МОИ ВОПРОСЫ..И Я ХОЧУ С НЕЙ ПРОДОЛЖИТЬ СОТРУДНИЧЕСТВО В СЛЕДУЮЩЕМ ГОДУ. ТАК КАК ЭТА ФАНТАСТИ ЧЕСКАЯ ЖЕНЩИНА ОТКРЫЛА МНЕ ВОЗМОЖНОСТИ ДЛЯ ЛЕЧЕНИЯ МОИХ ЗУБОВ..Я БЕЗУМНО СЧАСТЛИ ВА..ВЕДЬ ЗДОРОВЬЕ ЗУБОВ И ЛУЧЕЗАРНАЯ УЛЫБКА- ЗАЛОГ ЗДОРОВЬЯ ВСЕГО ОРГАНИЗМА. БЛАГОДАРЮ Вас!
Andrei Herasimovich
I had to do two implants and Julia helped me to buy the right dental insurance which saved me ton of money. Julia is very helpful and knowledgeable. I highly recommend her.
Marina Peseleva
Thanks Julia, she helped me to buy this insurance and I was able to treat my gums. It was expensive treat $3000 for 3 teeth and I can't afford to pay from pocket. I save my teeth. Very happy 😊. Recommend Julia to everyone.
Анна Фомина
Best broker! Julia helped us to find life insurance and dental insurance, she has deep knowledge in insurance sphere!!!
Nuestros socios dentales estratégicos de confianza
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¡Atención Profesionales Dentales! Creemos Más Sonrisas Juntos
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