Tips for Choosing Dental and Vision Coverage

October 22, 2008

Dental and vision coverage seem to take the back seat for many
people who can already barely afford medical insurance. They just
skip those visits all together until a really awful problem arises.
It is then that they realize it is going to cost a slight fortune
to fix. What many people don’t know is that many plans you get at
your work will cover a yearly eye exam and any emergency eye issues
to some extent. They usually offer really affordable dental
benefits, as well. It would be worth $3 per paycheck to have some
coverage for you teeth. Most times a yearly cleaning is 100%
covered. It is the tooth repair that you might have to fork some
cash over. Even then, it is much less than if you had to pay
completely out of pocket. Remember, the bigger the company you work
for the better your benefits will be and cheaper too.

Dental work can be very expensive and not easy to afford for many
people. With a decent dental plan, you can save some major amounts
of money in the long run. No matter how perfect your teeth are, it
will be a worthy investment. Most people will and do get their
dental coverage through their job and pay much less by doing so.
There are several types of plans to be had, indemnity, HMO, and PPO
plans to choose from. Ask your employer if you have more than one
plan and if not what kind they offer. Most plans typically cover a
maximum of $1000-$2000 per year on services. The rest will be up to
you to come up with. For most people this is plenty to have routine
cleanings and any cavities that come up filled. If you need some
serious work done you might have to space it out over the year.
Some people who have major teeth issues will have the top of their
mouths done one year and then the bottom done the next year. If you
exceed your limit for a year most dentists will charge you less
than if you had no insurance at all.

For vision insurance, first check to see what is offered through
your insurance at work. Most plans will only cover yearly eye exams
and emergency care. Some may offer some coverage on glasses or
contact lenses, but not many. If you are a person who has eye
problems and wants to save on contacts, laser surgery and any other
type of eye necessity than you might want to invest in a personal
plan. The cost of these plans can greatly vary depending on what
you want to be covered for. A plan that covers exams, emergencies
and corrective lenses will be cheaper than if you want to add laser
surgery or other high price options. If you have perfect vision,
then your work’s plan will be good enough and will help you keep
your eyes healthy. A vision plans features will vary depending on
the provider you chose so make sure you know your policy or shop
around for one that works for you. Benefits and features typically
discounted include: eye examinations, surgical procedures –
including Lasik procedures where available, frames and lenses,
contact lenses, and non-prescription sunglasses.

Just like choosing any other form of insurance, know what you want
and how much you can afford. Make sure you look at all your options
and get several quotes. Make sure you know what will be covered and
will not. Know the limits with in your policy and find out what
happens if you exceed those limits. Ask dentists and optometrists
which insurance providers they see the most, that can give you a
clue to what plans are most affordable and best. Talk to you care
provider and ask what the typical fees are under specific policies
so you can see which ones have the smallest co-pay. This will also
tell you how much you will be likely to spend per visit or per
specific procedure. If you haven’t been to a dentist in a long time
expect the first visit to be a bit costly even with insurance so be
prepared before going. Ask your dentist what will be done and what
it will cost so you can save up if need be. Routine visits after
that, will be nothing. Remember, a little prevention and being
prepared goes a long way when it comes to your health.
Find our more about Tips for Choosing Dental and Vision Coverage

DISCLAIMER: This information is for educational and informational
purposes only. The content is not intended to be a substitute for
professional advice. Always seek the advice of a licensed Insurance
Agent or Broker with any questions you may have regarding any
Insurance Matter.

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Sink you Teeth into Dental Options for your Health Insurance Plan

September 16, 2008

 

One’s general health includes dental health and care, as well.
Employers and other plan sponsors offer dental benefits for a
variety of reasons and most at really great prices. Offering a
dental benefits plan makes economic sense, it helps save money and
prevents other health related costs and expenditures. A frequently
overlooked reason for work related absences or poor work
performance is dental disease and/or discomfort. All those lost
days by employees is lost money for the company.

What do employers need to do about this? Quality dental benefits
plans can aid in the recruitment and retention of employees, it is
the hardest insurance to find sometimes. Dental is consistently
cited as one of the most sought after employee benefits and the
most inexpensive to both employee and employer to have. Most people
cannot afford regular check-ups, so they have more issues than
those with dental insurance who can be seen for routine cleanings
and check-ups. Most dental needs and treatments are predictable,
non-catastrophic, low cost and low risk, but expensive if you
aren’t covered. Dental disease is most often preventable; with the
exception of damage due to an accident. Treatment begins with
relatively low-cost diagnostic procedures, such as exams,
cleanings, and x-rays. If decay or disease is detected, the sooner
it is treated, the less expensive that treatment will be and the
person is less likely to have any advanced issues. The dental needs
of employees can be very much overlooked. Group policies can offer
most services to people for very little money per pay period and
save on a lot of time out of work.

There are some important things to consider before selecting or
changing a dental plan. Some plans require patients to choose a
dentist from a limited list of dentists, so check to see if your
dentist is on the list. If not make sure you get a recommendation
you’re your own dentist or close friend. Sometimes just telling
your dentist that your insurance is making you leave will prompt
them to add that type onto their list of accepted insurances.
Dental plans are typically business arrangements between an
insurance company and an employer, so see what can be done to have
your dentist added. Most plans are designed to pay only a portion
of your dental expenses, with preventive maintenance being the most
covered portion of the plan.

In addition, carefully read a plan and know its limitations, there
may be many services you need that aren’t covered at all or enough
to warrant investment. If a plan doesn’t cover a procedure that is
recommended by your dentist, this does not mean that the treatment
isn’t appropriate or needed; it just means they aren’t going to
pay. Some plans do not cover pre-existing dental conditions, such
as missing teeth, gingivitis, and other mouth diseases. Make sure
to see if your policy has these limitations. Even when you and your
dentist agree on the appropriate treatment method for your
condition, the contract provision of the dental plan may only pay a
portion, or pay only for the least expensive alternative treatment
as determined by the insurance company, so you could be forced into
a procedure that won’t be as good and useful to you as time goes
on.

DISCLAIMER: This information is for educational and informational
purposes only. The content is not intended to be a substitute for
professional advice. Always seek the advice of a licensed Insurance
Agent or Broker with any questions you may have regarding any
Insurance Matter.