Dental Insurance is separate coverage but is often bundled with health insurance. It can also be purchased on a standalone basis.
Seeing a dentist every six months is important in maintaining your overall health. Healthy teeth and gums are important to your well being as well as a mirror to your overall good health. Many times your dentist is the first to identify health issues and will alert you to see your doctor about managing any potential health detriment. Dental insurance helps pay for dental procedures that are needed to bring you to good oral health.
The types of dental plans:
- DHMO. This type of dental insurance has a network of dentists. A dentist will be assigned to you as your primary dentist. Any referral to a dental specialist (e.g. periodontist, orthodontist) is done with that dentist in-network to get any benefits.
- DPPO: This type of dental insurance has a larger network of dentist. There is also out-of-network coverage. It is advisable to see an in-network dentist to get the most benefits. This plan type has maximum calendar coverage so when this limit is reached benefits are done and will not start up again until the next calendar year.
What is Covered:
- Exam and cleaning. This is dental preventive care that you should do every six months. Typically there is no or low copays for this service.
- Minor Restorative dental care. An example of this is a tooth filling.
- Major Restorative dental care. An example of this is a root canal.
Waiting periods for coverage apply in some instances. Please contact us for more details.
Vision Insurance provides coverage for an optometrist who checks overall eye health but primarily checks if you can see clearly at a distance and/or up close. If you don’t see clearly and there is no underlying disease causing blurred vision, the optometrist can prescribe glasses or contact lenses. Vision Insurance also covers a set dollar amount for frames, lenses, and contact lenses. Vision Insurance does not cover an ophthalmologist, who is a medical doctor that specializes in eye health. This coverage comes from your health insurance plan.
When you enroll in Vision Insurance you should make sure your optometrist is in-network to receive the full benefits the plan provides. If you utilize a non-network provider, you may be responsible to pay for all the charges and may be required to file an itemized claim to be reimbursed a small percentage of your actual expense. For good eye health it is advisable to visit once a year.
Finding the right dental or vision plan that meets your needs and your budget can be complicated. As health insurance broker/consultants we can help simplify the process. Don’t hesitate to contact our agency for information and quotes for dental or vision plans available in your area. Call 562-343-7301 or click the button below for help. “touch to call”
2725 E Pacific Coast Hwy.
Signal Hill, CA 90755