VISION AND DENTAL INSURANCE CAN COME FROM DIFFERENT SOURCES

  1. There are health insurance plans that include vision and/or dental benefits. These can be offered by an employer or purchased on your own.
  2. There are separate, standalone plans for vision or dental benefits that can be used on top of a health insurance plan as a form of supplemental insurance. There are even dental and vision insurance “packages” that offer benefits for both.
  3. Medicaid provides vision and dental benefits for children in all states. In some states, Medicaid also provides coverage for adults.
  4. Many Medicare Advantage plans include vision and dental benefits for seniors.

No matter how it is acquired, vision, dental and health insurance can be instrumental in helping to keep your health up and your medical costs down. But before you go shopping for plans, there is plenty you should know about them.

DENTAL AND VISION COVERAGE CAN COME IN TWO DIFFERENT FORMS.

The first is much like a traditional health insurance plan. You’ll have a monthly or annual premium (the fee for coverage), a deductible (the amount you have to first pay out of pocket before the insurance starts kicking in), and copayments or coinsurance (your share of a doctor’s bill).

These types of vision or dental insurance plans can operate as HMOs, PPOs, or indemnity plans.

In an HMO, you will have a primary care physician (PCP) along with a network of physicians and dental or medical facilities approved by your insurance provider. You will receive your dental or vision care from those offices as directed by your PCP.

With a PPO, you are not restricted by a PCP and have some more freedom to visit physicians and facilities outside of the network.

Indemnity plans reimburse the customer for services rendered once a claim is submitted to the insurance provider.

Not sure what you need? Let us help you eliminate the guess work to make sure your life’s work is protected from the unexpected.

  • We can review your current plan or policies to insure they still meet your goals.
  • Let us provide a no cost insurance policy and/or plan review to make sure your life’s work is protected from the unexpected.
  • We can review any life changing events like weddings, death, college, divorce, new family additions, promotions, or home purchase.