While most people recognize that health insurance coverage is essential, dental and vision insurance plans might appear less important. In the long term, the benefit of having a dental or vision insurance plan may pay off – this is particularly true if you also need to cover a family. Before we discuss whether dental and vision insurance is worth the investment, let’s get clear on what these plans cover:
Dental Insurance Coverage
This policy provides benefits that help you reduce the cost of out-of-pocket expenses. Dental insurance covers the cost of standard dental care services while also getting you prepared for unexpected dental needs. Dental insurance coverage includes preventative care, such as regular dental exams, x-rays, and cleanings. It can also include basic and major dental services such as root canals, fillings, crowns, bridges, and oral surgery.
Vision Insurance Coverage
Each vision insurance covers a different set of benefits. Basic vision insurance plans usually cover only glasses, contacts, and eye exams and may function more like discount plans than vision insurance. More comprehensive vision insurance plans don’t stop at vision correction and exams; they also help with the costs of eye diseases (macular degeneration, retinitis pigmentosa, diabetic retinopathy, glaucoma), eye surgery, and permanent vision.
The amount of vision-related expenses a vision insurance plan will cover differs greatly from one insurance plan to another. For instance, a vision insurance coverage might charge you a $15 copayment for an eye exam and pay for the difference, while another vision insurance plan might pay for $45 of your eye exam and need you to pay the rest.
Is Dental and Vision Insurance Worth It?
Dental and vision insurance have long been unnoticed in regards to comprehensive health insurance coverage. However, vision and dental insurance coverage are just as important as any other health care. When you go to the dentist or eye doctor, it’s going to be much cheaper if you have dental and vision insurance.
While many people forgo insurance due to cost, usually dental and vision insurance will save you money, especially if you need any procedure done that is not a regular service. You can purchase dental and vision insurance coverage year-round, and there are several options available.
Contact Kannonball Insurance
Do you need help deciding the insurance coverage that best suits your need or comparing your options? Contact Kannonball Insurance to talk with a licensed and experienced health insurance professional to get started on your journey toward better oral and vision.
