Dental Coverage

Proper dental care can be an important part of our well-being. Some kind of dental insurance can help you ensure the health of your teeth and gums.  If you have to pay the entire dentist bill on your own, you may find that difficult to budget.  Without dental coverage, you may skip regular cleanings and checkups, which could lead to serious dental health problems in the future.

There are many types to consider such as Preferred Provider Organizations (PPO), Health Maintenance Organizations (HMO) and discount dental plans.  Coverage differs from plan to plan and provider to provider. In general, basic dental insurance coverage includes 3 categories:

  1. Preventive Dental Care: Almost all dental plans cover basic dental costs associated with cleanings, checkups, and other dental procedures to prevent tooth and gum disease. This is important to keep up with regular dental care to prevent more complicated and costly problems.
  2. Basic Dental Care: Most dental plans and dental insurance also cover basic dental procedures like fillings, tooth extractions, chipped teeth, and other basic procedures.  Most plans cover a significant portion of basic dental care, it makes sense to select a dental care insurance provider that covers as many dental care basics and procedures as possible.
  3. Major Dental Care: Not all dental insurance plans cover major dental care, some do cover at least a portion of these costs. Major dental includes procedures such as dental surgery, orthodontics, denture work and other large procedures. If you know you will need this type of coverage, then you should look for a plan that will pay for a large percentage of those expenses.

Deductibles and waiting periods vary from plan to plan.

Contact us to go over all the options and pricing.

Vision Coverage

Vision Insurance helps cover the cost of routine eye exams, contact lenses and glasses.  Some plans also pay for corrective procedures like laser eye surgery.  Most plans will include one pair of glasses or contacts a year.

A routine eye exam may uncover typical eye issues like nearsightedness or farsightedness, but it could also detect other medical issues like diabetes, glaucoma, pink eye, or macular degeneration. Depending on that outcome, it would either bill as medical or vision.

Vision Insurance generally covers a percentage of the following services:

  • Yearly eye exam
  • Eyeglass lenses
  • Eyeglass frames
  • Contact lenses
  • LASIK correction procedures at a discounted rate

Some plans pay annually and some pay every 2 years for lenses and frames.

Vision care plans contract with eye care professionals. Some plans are Preferred Provider Organizations (PPO) where your eye care is managed by a network of providers. You could use out of network providers but would pay a greater cost share.  Others plans use certain providers to receive a discount of the offered services.

Generally, eye care offices and networks include optometrists and general ophthalmologists, but some plans can include providers that perform refractive eye surgery, LASIK or other vision correction procedures.

Do you need vision insurance?

If you or a member of your family wear corrective lenses and need regular eye exams due to changes in the lens prescription, it would probably be in your best interest to purchase vision care insurance.  If you do not wear or need glasses, you may be able to get by with a periodic eye exam through your health insurance.

We are not here to push you to buy something.  We are only looking out for you and your family to protect you from unnecessary large medical expenses that could be avoided.

Call us today to talk about your options.