Dental insurance is a type of health insurance designed to pay a portion of the costs associated with dental care. Similarly, vision insurance is a form of insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists. Both types of insurance are often bundled together, which can provide both convenience and savings for the policy holder.
Details on Dental and Vision Insurance Plans
Dental and vision insurance can help make important health care services more affordable. With these plans, you typically pay a lower rate for preventive dental care, such as regular cleanings and check-ups, as well as other treatments like fillings, X-rays, root canals and crowns. Vision insurance may also cover routine eye exams, as well as glasses or contact lenses.
Generally, dental and vision insurance plans have different levels of coverage for each type of treatment. Some may include a co-payment or co-insurance amount that you must pay out of pocket in addition to the premium you pay to keep your plan active. It’s important to review your plan’s coverage and determine what expenses will be covered, as well as any limitations or exclusions that may apply.
It is also important to know that dental and vision plans typically have a yearly maximum benefit amount. This means that there is a limit on how much the plan will pay out in benefits each year, so you will need to plan your care accordingly and be aware of the total expected cost.
Finally, dental and vision plans may have a waiting period before certain services are covered. During this waiting period, you may not be able to access certain benefits or treatments until a predetermined amount of time has passed since you purchased the plan. Be sure to review the waiting period requirements before signing up for a plan.
Assistance with your Dental and Vision Plan
Our team can help you make informed choices on the dental and vision insurance plan best suited to your needs and the needs of your family. Consultations are free, so call or click today to learn more about how we can help you get the lowest prices on dental and vision coverage.
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“We do not offer every plan available in your area. Currently, we represent 8 organizations that offer 61 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov”