Dental and Vision Insurance Buying Guide
Dental and vision care are some of the most important aspects of health, both for the prevention of major medical problems and for maintaining a healthy quality of life. Without adequate dental and vision care, many people can find themselves paying out of pocket for expensive treatments.
Dental insurance is a way for people to get the preventive care they need at low costs. It can also help them avoid costly dental procedures like tooth extractions and dental implants.
There are two ways to purchase dental insurance: through your employer or by buying a stand-alone policy. In either case, you’ll have to pay a monthly premium and a deductible.
Group plans through employers typically offer a discounted rate on your coverage, which means they’re accessible and easy to buy. Your premium is automatically deducted from your paycheck.
Individual policies vary widely in price, coverage and benefits, so it’s essential to shop around for the right plan for your needs.
The best dental plans are those that include a variety of preventive services, such as routine cleanings and exams. Having these regular checkups helps keep your teeth and gums healthy, which in turn helps you live longer and healthier.
They’ll also cover the costs of any minor or major repairs that need to be done to damaged teeth and gums, including fillings and root canals. In addition, most dental plans will cover a few more-advanced treatments, such as crowns and implants.
Choosing the right dental plan is more complex than it sounds, though. You’ll want to make sure the plan you choose includes a good network of dentists. Usually, a “dental network” is an umbrella term for the list of dentists that an insurer has agreed to cover at discounted rates.
Another option is a “Direct Primary Provider Organization” or DPPO, which lets you go out of network to see any dentist you want. This can save you money and is often a great way to find a new dentist or to switch from your current provider.
Some DPPOs have a primary dentist requirement, which is similar to the HMO requirement in a traditional health plan. Having to go through a primary dentist means you may not be able to see any specialists if you don’t have a referral from your primary.
Your state’s Medicaid program may have its own set of requirements regarding dental and vision insurance for children and adults. These requirements can be as simple as requiring that children receive an annual eye exam, or as complex as covering glasses and frames for children who need them.
Whether you need group or individual dental and vision insurance, we can help you find the plan that fits your needs. Contact us today for more information!
Brokers report that dental and vision benefits are among the most in demand voluntary products. Adding them to an employee’s health plan can improve recruitment and retention, and can be a good way for companies to attract top talent.