Dental & Vision Insurance
Dental Insurance Plans
Dental insurance helps protect you from unexpected dental expenses and makes it easier to afford to keep up the regular checkups, cleanings and other preventive treatments you need to keep your mouth healthy.
Like medical insurance, dental insurance provides benefits for a specific rate or premium. Different plan designs offer various levels of coverage and different choices in which dentists you can visit.
The major differences between dental insurance plans:
- the choice of dentists
- your out-of-pocket costs
- how dental treatments are paid
Most types of insurance, like a dental PPO, DPO, DHMO or prepaid plan, rely on a network of dentists. These participating dentists agree to perform services for patients at pre-determined rates and usually will submit claims for you. You'll usually pay less when you visit a network dentist.
Most (but not all) traditional indemnity or fee-for-service insurance products do not provide a network feature, so you may have to pay for services up front, file your own claims, and wait for the insurance carrier to reimburse you. However, there are advantages such as having the freedom to visit the dentist of your choice.
Vision Insurance
This individual vision insurance plan can help you save money on eye exams, eyeglass lenses and frames, and contacts. It also offers substantial discounts on LASIK and cosmetic extras. Here are more of the plan's features:
- Low exam copayments
- Eyeglass lenses are covered 100 percent after materials copayment
- $40 wholesale allowance for frames
- Medically necessary contact lenses are covered 100 percent after materials copayment
- $115 allowance for elective contact lenses
- Discounts on LASIK/PRK and second pair of glasses
- One eye exam per year
Contact our office for additional information.
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