Dental and vision insurance can help make routine care more affordable while reducing the risk of larger out-of-pocket expenses. Regular dental exams, cleanings, eye exams and corrective lenses are important parts of maintaining your overall health. The right coverage can help individuals and families receive the care they need while managing their healthcare budget.
Dental Insurance
Offers:
- Coverage for preventive services such as routine exams, cleanings and X-rays
- Benefits for basic dental procedures, including fillings and simple extractions
- Coverage options for major services such as crowns, bridges, dentures and root canals
- Access to participating dental provider networks that may offer negotiated rates
Common Uses:
- Maintaining regular preventive dental care
- Reducing out-of-pocket costs for unexpected dental procedures
- Helping families budget for routine and restorative dental care
- Managing the cost of crowns, dentures, bridges or other major services
Vision Insurance
Offers:
- Coverage or discounts for routine eye examinations
- Benefits toward prescription eyeglasses, lenses and frames
- Coverage options for contact lenses and contact lens fittings
- Access to participating optometrists, ophthalmologists and vision retailers
Common Uses:
- Receiving regular eye exams and monitoring changes in vision
- Reducing the cost of prescription glasses or contact lenses
- Helping detect certain eye conditions before they become more serious
- Providing affordable vision benefits for individuals and families
Dental Discount Plans
Offers:
- Discounted rates from participating dentists
- No traditional insurance claims or reimbursement process
- Potential savings on preventive, basic and major dental services
- Coverage options that may begin sooner than traditional dental insurance
Common Uses:
- Helping reduce dental costs when traditional insurance is unavailable
- Providing discounts for services that may not be covered by dental insurance
- Supplementing an existing dental insurance plan
- Obtaining lower negotiated rates from participating providers
Individual and Family Coverage
Offers:
- Plan options for individuals, couples and families
- Different benefit levels to help match coverage needs and budgets
- Access to dental and vision provider networks
- Options that may be purchased separately or together
Common Uses:
- Replacing dental or vision benefits lost through an employer
- Providing coverage for self-employed individuals and their families
- Adding benefits that may not be included with major medical insurance
- Helping manage routine dental and vision expenses throughout the year
Dental and vision plans can vary in deductibles, waiting periods, provider networks, annual benefit limits and covered services. Before selecting a plan, it is important to review the benefits carefully and confirm that your preferred dental or vision providers participate in the plan’s network.
