Dental Insurance

What you need to know about dental insurance?

Your general health insurance plan also known as major medical insurance only covers dental problems in case of an emergency. With a dedicated dental insurance plan, you need not pay for your routine checkups, cleanings, filings etc. It is said that dental care is so expensive in America that if you don't have insurance, it's cheaper to fly to your homeland, get treated and even meet relatives than getting treated in the States.

Most dental insurance plans cover as much as 50% of the costs related with a serious dental injury or a major procedure.

You don't want to neglect a small cavity to grow into a bigger issue because of the high expenses, but with dental insurance you can freely attend to any such minor adjustment without worrying about the costs. Dental insurance will cover your basic dental needs and preventative care. You can select from various plans including coverage for routine dental care, x-rays, fillings, cleanings, and other procedures.

Types of Dental Insurances

You have several options of dental insurance and each plan is slightly different. These plans are:

  • HMO - This is a prepaid plan with on deductible or maximum. Instead, you pay a certain percentage for some procedures, while you don't have to pay for others.
  • Discount Plans - A discount dental plan will provide a discounted fee-for-service option and require you to pay the rest.
  • DPPO - This plan will come with the lowest out-of-pocket costs from an in-network dentist, to whom you're not required to visit. You will need to pay a co-payment, and you will need to reach a deductible. This type of plan also has a maximum.
  • Fee-For-Service - This plan is also known as an indemnity plan which comes with a co-payment and a fee for procedures.

It is crucial to choose the right dental insurance plan for you or your family. Your trusted TPC licensed agents help you compare different options and get the coverage right which suits your situation.

Vision Insurance

Why is vision insurance important?

You may already have a major medical insurance coverage but most major medical plans don't cover vision as much as a vision specific plan that will completely protect your eyes along with your family's.

In addition, you'll be given an annual allowance for eyeglasses or contact lenses. Some plans also offer coverage for specialty eyeglass lenses, like anti-scratch and tinted options

Vision Insurance Coverage

They say that the eyes are the window to the soul. If you want to protect your and your family's eyes, adding vision coverage to your Major Medical Insurance Plan makes sense. With vision insurance, you'll gain coverage for:

  • Routine eye exams and other preventative measures
  • Corrective lenses prescribed by a doctor
  • May also provide discounts on glasses, contacts, or even LASIK.

Vision Insurance will help to offset the costs not covered by your health insurance policy. The cost of contact lenses, glasses, and eye exams can pile up rather quickly. Even if you don't wear glasses or contacts right now, you may need them in the future. Vision Insurance will ensure you pay less out-of-pocket.

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