Dental and Vision Coverage
Traditional, 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 co payments or coinsurance (your share of a doctor’s bill).
These types of vision or dental insurance plans can operate as HMO'S OR PPO'S or Indemnity Plans.
In an HMO, you’ll have a primary care physician (PCP) along with a network of physicians and dental or medical facilities approved by your insurance provider. You’ll 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.
Traditional, 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 co payments or coinsurance (your share of a doctor’s bill).
These types of vision or dental insurance plans can operate as HMO'S OR PPO'S or Indemnity Plans.
In an HMO, you’ll have a primary care physician (PCP) along with a network of physicians and dental or medical facilities approved by your insurance provider. You’ll 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.
Some of the things most commonly covered by Vision Insurance Plans
Eye exams. This preventive care measure is generally performed once a year and involves a series of tests to gauge the health of your eyes across several different parameters. The things tested for during an eye exam can include the sharpness of your vision, color blindness, how your eyes work together as a unit, a presence of glaucoma, your range of peripheral vision, and more. Eye exams can be instrumental in providing an early detection of eye disease, any developing vision problems, or a need for corrective lenses.
Eye wear. Glasses (frames and lenses alike) and contact lenses can be expensive but are often at least partially covered by vision insurance. Some vision insurance plans may limit coverage to eye wear purchased through your optometrist or a network-approved vision center. Sometimes, even prescription sunglasses may be covered.
Lens coatings and enhancements. Some vision insurance plans can help with the cost of a lens coating. Lenses can be coated with substances to decrease scratching, fog and moisture, reflections, and exposure to ultraviolet rays.
Surgery. Surgeries that are deemed medically necessary, such as a procedure to treat an eye injury, infection, or disease, will often be covered by a health insurance plan. But corrective surgery, such as LASIK, is generally not covered by health insurance because it is deemed by many insurance providers to be an elective or “cosmetic” surgery. However, there are some vision insurance plans and discount programs that will partially cover such elective procedures.
Eye wear. Glasses (frames and lenses alike) and contact lenses can be expensive but are often at least partially covered by vision insurance. Some vision insurance plans may limit coverage to eye wear purchased through your optometrist or a network-approved vision center. Sometimes, even prescription sunglasses may be covered.
Lens coatings and enhancements. Some vision insurance plans can help with the cost of a lens coating. Lenses can be coated with substances to decrease scratching, fog and moisture, reflections, and exposure to ultraviolet rays.
Surgery. Surgeries that are deemed medically necessary, such as a procedure to treat an eye injury, infection, or disease, will often be covered by a health insurance plan. But corrective surgery, such as LASIK, is generally not covered by health insurance because it is deemed by many insurance providers to be an elective or “cosmetic” surgery. However, there are some vision insurance plans and discount programs that will partially cover such elective procedures.
Some of the things most commonly covered by Dental Insurance Plans
Preventive care. Routine dental exams and cleanings typically take place every six months and are covered in full by most dental insurance policies.
Restorative care. Restorative care consists of any minor procedures to treat damaged or decayed teeth, such as fillings.
Endodontics. More advanced damage or decay will require more involved procedures like root canals.
Oral surgery. Common oral surgeries include teeth removal, the drainage of infections, and gum tissue biopsies.
Orthodontics. This includes the installation, maintenance, and removal of braces and retainers.
Periodontics. Periodontics involves the treatment of gum disease, infections, and lesions.
Prosthodontics. Fittings and installations of dentures and bridges can be expensive, and you will need a quality insurance policy to help alleviate this cost.
Dental insurance can go along way in helping to pay for a number of services that range from basic care to advanced surgical procedures. The more advanced the procedures, the less coverage you might expect to receive from your dental insurance.
Restorative care. Restorative care consists of any minor procedures to treat damaged or decayed teeth, such as fillings.
Endodontics. More advanced damage or decay will require more involved procedures like root canals.
Oral surgery. Common oral surgeries include teeth removal, the drainage of infections, and gum tissue biopsies.
Orthodontics. This includes the installation, maintenance, and removal of braces and retainers.
Periodontics. Periodontics involves the treatment of gum disease, infections, and lesions.
Prosthodontics. Fittings and installations of dentures and bridges can be expensive, and you will need a quality insurance policy to help alleviate this cost.
Dental insurance can go along way in helping to pay for a number of services that range from basic care to advanced surgical procedures. The more advanced the procedures, the less coverage you might expect to receive from your dental insurance.
*Since each insurance option differs in cost and benefits, it’s important to discuss your unique needs with an insurance expert who can keep you, your spouse, and your children covered under the right plan at a price you can afford.