Dental Coverage: Do I Need It?

Dental care can be an important component of our well being. As with any insurance-related decisions, there are multiple thoughts that should go into your decision when purchasing coverage for yourself, family, business, or your employees. Similarly, there many types of plans to consider such as a PPO (Preferred Provider Organizations), HMO (Health Maintenance Organization), dental indemnity insurance plans, and discount dental plans.

Why It’s Important

Having dental coverage of some kind can help you ensure the health of your teeth and gums. Without dental insurance, you may be tempted to skip regular cleanings and checkups in order to save a little money, a decision that could lead to serious dental health problems.

Medicare often does not cover dental, or only covers a portion of your bill.

Basic Dental Insurance Coverage - What Is Included?

Understanding what is covered by your dental insurance can be difficult. Coverage differs from one policy to another and from provider to provider. Always be sure to read the fine print of your policy or agreement to find out what your dental insurance truly covers. In general, basic dental insurance coverage includes three categories:

  1. Preventive and diagnostic dental care: This includes a large part or all the dental costs associated with basic services such as cleaning, checkups, and other dental procedures meant to prevent tooth and gum disease.

  2. Basic dental care and dental procedures: Including basic dental procedures such as fillings, tooth extractions, fixing chipped teeth, and other such basic procedures. Be sure to read the fine print of your policy to determine how much of these services are covered, and if there is a limit or maximum.

  3. Major dental care: Not all dental insurance plans cover major dental care, but some do cover at least a portion of these costs. Major dental care includes procedures such as dental surgery, orthodontics, denture work, and other large, expensive dental procedures.

 This is a brief overview of the coverage that can be included in a Dental Insurance policy. You should read a policy thoroughly before purchasing any insurance policy.

Vision Insurance

Vision insurance is often misunderstood by many people. Depending on the reason for the visit – whether that be a routine exam or an eye injury – it’s not always apparent which doctor you should visit - your primary care or an eye specialist.

Vision insurance helps cover the cost of routine eye exams, contact lenses and glasses. Some vision plans also pay for corrective procedures such as laser eye surgery. Additionally, most plans include one pair of glasses or contacts a year.

What Does Vision Care Insurance Cover?

Vision care insurance usually covers a percentage of the following services:

  • Yearly eye examination

  • Eyeglass lenses

  • Eyeglass frames

  • Contact lenses

  • LASIK and PRK vision correction procedures at a discounted rate

Always read the fine print on your vision care plan to determine if it has a limit, such as annually or every two years on how often it will pay for lenses and frames.

Do I Need Vision Care Insurance?

If you or members of your family wear corrective lenses and need annual eye exams and/or changes in your eye lens prescription, it may be worthwhile to purchase vision care insurance. However, if you do not currently wear or need glasses, you may be able to get an eye exam through your regular health insurance plan..

Get Started with Dental and Vision Quotes Today!