Health insurance covers a broad range of services, but it has its limitations – namely coverage for dental and vision care. Dental and vision insurance are sold as their own policies, each with unique benefits. Here, we will go through what’s typical of dental and vision coverage, and what you can do to ensure that you make the right choice.
Dental And Vision Insurance From Secure Insurance Group
Secure Insurance Group promises dental and vision coverage that will meet your needs for an affordable price. We provide the most cost-effective path to a better smile and sharper vision. We help you surpass the coverage limitations set by health insurance so you can get the dental and vision services you need.
Your Options With Secure Insurance Group
At Secure Insurance Group, we offer plans that cover dental treatments such as cleanings, root canals, bridges, fillings, and more. Vision insurance coverage includes eye exams, glasses, and contacts. When you get a policy from us, you’ll get the dental and vision coverage you need – rest assured.
What Does Dental Insurance Cover?
Dental insurance covers a broad range of treatments, categorized into preventive, basic, and major. These three categories refer to the amount of work a particular treatment requires as well as its cost relative to the other categories:
- Preventive is the cheapest of all three, and common procedures include cleanings, sealants, and x-rays
- Basic costs slightly more, but isn’t the most expensive. Basic treatments include extractions, filings, and treatments for gum disease
- Major is the most expensive. This consists of the most intensive procedures, which include inlays, bridges, tooth implants, and crowns
It should be noted that insurance companies vary by how they categorize particular procedures, which is why it’s important to look closely at each plan’s benefits.
How Does Dental Coverage Work?
Dental insurance policies are structured similarly to standard health insurance policies. Dental insurance provides options such as:
- Health Maintenance Organization – network-based; most affordable option
- Preferred Provider Organization – has a network of providers, but also allows for out-of-network services at a higher cost
- Fee-for-Service – also referred to as indemnity coverage; is the most expensive option and doesn’t limit policyholders to a network. Instead, the policyholder covers the entire fee at once and is later reimbursed by the insurer
Coverage typically begins after a waiting period, which is usually 12 months before one can get coverage for basic procedures and 24 months for major procedures. Once the coverage begins, policies typically cover 100% of the costs for preventive services, 80% for basic procedures, and 50% for major treatments.
Plans generally have a coverage cap between $1,000 and $2,000 per year, where once a plan has provided coverage up to a certain dollar amount, the policyholder is responsible for all costs for the rest of the year.
What Isn’t Covered Under Dental Insurance?
Dental insurance only covers dental needs that would cause decay and progression of oral disease if ignored. It will not cover cosmetic procedures such as whitening, tooth shaping, gum contouring, or veneers.
What Does Vision Insurance Cover?
Vision insurance covers:
- Yearly eye exams
- Lenses (glasses and contacts)
- Frames for glasses
Certain policies (particularly those offering higher-tier coverage) may also include LASIK treatments.
How Does Vision Insurance Work?
Vision insurance is often structured in one of the following two ways:
- Discount plans – cover a fixed percentage of costs
- Benefits packages – provide coverage capped at a certain amount per year, similar to some dental insurance policies
In order to receive coverage for your vision care, you must get your services from a state-licensed optometrist or someone who has been certified by the American Board of Ophthalmology.
Each plan comes with its own costs and benefits, with some not allowing coverage for contact lenses and glasses in the same 12-month period, and others that may only cover certain types of lenses for glasses. This will vary by insurer, so it’s important to check beforehand.
Overall, vision insurance is relatively inexpensive, with $35 per month being on the upper end of premium costs.
What Isn’t Covered Under Vision Insurance?
Vision insurance doesn’t cover medical procedures related to eye injuries and diseases. Health insurance covers that. Vision insurance is for correcting vision problems, not treating diseases or illnesses.
Many policies also will not cover elective surgeries like LASIK, but as previously mentioned, a higher-tier policy may include LASIK as part of its coverage.
Get The Dental And Vision Coverage You Need Today
At Secure Insurance Group, we help you go beyond the limits of health insurance by providing you with coverage for your dental and vision care needs. We keep the benefits high and the costs low so you can have a policy that’s just right for you. Call us today at 877-871-7328.