Dental Insurance
Dental insurance provides a range of coverage for various dental procedures including preventive care and more involved services like fillings, crowns, and root canals. Like other types of insurance, dental insurance requires you to pay a monthly insurance premium, and you may also pay an annual or lifetime deductible as well as copayments when you visit a dentist for care.
More About Dental Insurance
Dental insurance works differently than health insurance in terms of how much coverage you can receive. Where the passage of the Affordable Care Act (ACA) meant limits can no longer apply to health care coverage in any given year, dental insurance plans often come with annual limits as low as $750 or $1,000 per person. Once your annual maximum benefit amount is met, you will have to pay for dental care out of pocket. Also note that dental insurance frequently comes with waiting periods that can vary depending on the type of care you need.
Make sure you don’t confuse dental insurance with dental discount plans. Dental discount plans only offer reduced pricing on services for dentists in a specific network.
What Does Dental Insurance Typically Include?
Dental insurance plans can vary widely, and this includes what they will and will not include. For this reason, you should read over the terms and conditions of any plan you’re considering to make sure that basic care like fillings as well as major services like crowns and bridges are included in your coverage.
For the most part, the majority of dental insurance plans cover preventive care like cleanings and X-rays at 100%, although waiting periods may apply. Coverage for basic services like fillings, root canals, and tooth extractions is also included, although it’s normally limited to a percentage of the cost (i.e., 50%). You can also buy coverage that includes major services like crowns, bridges, dental implants, and orthodontics, although plans that cover major services tend to cost more and limit the payout to 50% in most cases.
What Does Dental Insurance Typically Exclude?
Dental insurance doesn’t normally cover cosmetic procedures like teeth whitening, and you may also struggle to find coverage for pre-existing conditions such as missing teeth. Some plans leave out major services like dental implants and orthodontic care altogether. Make sure to read over your dental insurance policy to see what it includes and excludes.
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Vision Care Insurance
Vision care insurance will often cover routine eye health expenses such as eye exams, contact lens fittings, contact lenses, and eyeglass lenses and frames and may provide a discount on LASIK procedures. The plan may cover the cost of these items in full, up to a preset limit, or it may require the policyholder to pay a flat fee or percentage fee to share the expense with the insurer.
Understanding Vision Care Insurance
Vision care insurance tends to be inexpensive compared to other types of insurance because many of the covered costs are predictable and expensive claims are rare. In fact, it more closely resembles a discount plan than a true insurance plan because insurance is meant to protect against unforeseen and potentially catastrophic expenses.
It’s important you fully understand what each plan costs and the benefits they come with when you buy vision care insurance. Take a look at the cost for one year of vision insurance compared with the cost of an eye exam. Although vision care insurance is inexpensive, it may not be a good deal for the consumer, if the costs of premiums and co-payments under the plan are higher compared to the costs of paying for vision care expenses out of pocket.
Eye diseases, which are unpredictable and can be expensive to treat, will generally be covered by health insurance, not by vision care insurance. Vision care coverage through many employer-sponsored health plans generally works a little differently than other health insurance or major medical insurance plans.
Because eye exams can detect hidden medical problems, even those with perfect vision should get one from time to time. As someone ages, they’ll need more frequent vision exams, according to the Mayo Clinic. People with poor vision, a family history of eye disease, or a condition that increases the risk of eye disease like diabetes should have more frequent exams. If routine exams are all that is needed, the cost of insurance probably isn’t worth it.
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