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