Dental & Vision
Proper dental care can be an important component of our wellbeing. As with all insurance-related decisions, there are multiple facets that should be considered when purchasing coverage. Without dental insurance coverage, you may be tempted to skip regular cleanings and checkups, a decision that could lead to serious dental health problems.
Types of Dental Insurance Coverage
Similar to medical insurance plans, dental insurance policies are often categorized as either indemnity or managed-care plans. The major differences are concentrated around out-of-pocket costs, choice of dental care providers, and how bills are paid.
Basic Dental Insurance Coverage – What is Included?
Understanding what is covered by your dental insurance can be challenging. In general, basic dental insurance coverage includes three categories:
- Preventive and diagnostic dental care
- Basic dental care and dental procedures
- Major dental care
It’s no surprise that vision insurance is misunderstood by many people. Depending on the reason for the doctor visit – a routine exam or an eye injury – it’s not always clear which doctor to visit.
At its most basic level, 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.
Do I Need Vision Care Insurance?
If you or members of your family wear corrective lenses and need periodic eye exams and changes in your eye lens prescription, it may be worthwhile to purchase vision care insurance.