Vision & Dental Insurance
Understanding Vision & Dental Insurance for You and Your Family
Finding the right vision and dental insurance depends on your specific needs, budget, and whether you have coverage through an employer.
Vision insurance can help lower the cost of eye exams, glasses, contacts, and even LASIK.
Dental insurance options vary from preventive care plans to PPOs and HMOs, with providers helping cover everything from routine cleanings to major procedures, ensuring you get the care you need at an affordable price.
Vision Insurance Options
If you wear glasses or contacts, or anticipate needing vision correction in the future, a vision insurance plan can help reduce costs. Look for a plan that includes:
- Annual eye exams (covered fully or with a low copay)
- Allowance or discounts on glasses, frames, and contact lenses
- Coverage for vision correction procedures like LASIK (if applicable)
- Nationwide provider network for flexibility
Dental Insurance Options
Your dental needs will determine what type of plan is best. Consider:
- Preventive Care Plans – Covers cleanings, exams, and X-rays at little to no cost (great if you have healthy teeth).
- PPO Plans – Offers flexibility to see any dentist, with coverage for basic and major procedures like fillings, root canals, and crowns.
- HMO Plans – Lower-cost option that requires choosing a network dentist, ideal for routine care and budget-conscious individuals.
- Discount Dental Plans – Not insurance but provides reduced rates at participating dentists with an annual membership fee.
If you don’t visit the dentist frequently, a discount plan may be more cost-effective than traditional insurance.
Next Steps:
- Check if your employer offers vision and dental insurance.
- Compare individual plans based on premiums, coverage limits, and provider networks.
- Consider a bundled vision & dental plan to save money if you need both.