We understand that dental and vision insurance may not be the most exciting topic. However, like other insurance coverages, it is important.
Take time to consider your needs when deciding on the plan for you. If you are single and young, your needs will vary from a household with many children. For some people, it’s helpful to write down your dental and vision needs. If you have any family history of oral disease, this makes a good plan even more important to you.
Dental and vision plans can come from a variety of sources. These can include:
- As a form of supplemental insurance, on top of your health care plan.
- Some health insurance plans include both.
- Medicaid plans.
- Medicare plans.
As far as a plan goes, there are two main types:
- Traditional plan:
This works just like your normal health insurance. You would pay a monthly or annual premium, your deductible, and then copayments when a visit is needed.
You may have an HMO, which means you have one primary care physician. Or, you may have a PPO, where you are not limited to one physician.
- Alternative plan:
This is when you join a discount program. You would still pay a monthly or annual fee like a traditional plan, but you are able to choose from a selection of services at a discounted cost.
What does dental insurance cover?
- Preventative care
- Restorative care
- Oral surgery
- And more
What does vision insurance cover?
- Routine eye exams
- Eye surgery
- Lens enhancements
Without dental and vision insurance, you risk poor health and the financial stress of paying out-of-pocket costs. Call an Avery Hall agent today to learn more.