Dental insurance is a type of health insurance designed to pay a portion of the costs associated with dental care. There are several different types of individual, family, or group dental insurance plans grouped into three primary categories:
Dental Savings Plans
For those on Medicare or without employer-provided dental insurance, a savings plan is often a great option. A small annual fee entitles you to savings on just about every procedure.
Dental savings plans are especially good at lowering the cost of expensive procedures, such as crowns, bridges, braces, implants, and dentures. Routine care like check-ups and cleanings are usually discounted too.
If you need more than preventive care, or already have a treatment plan, a dental savings plan can often provide the biggest savings.
Dental Insurance
If your goal is to save on preventive care, dental insurance may be a good fit. You pay a monthly fee, and in exchange, your cleanings and check-ups are usually covered at 100%. Many other procedures are covered after a deductible and waiting periods, if applicable, are met, until you reach your annual maximum.
Dental insurance is a great choice for preventive work, meaning your dental costs are minimal, and you don’t anticipate needing any restorative or cosmetic care.
Vision insurance is a form of insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists. There are many vision insurance companies. The typical vision insurance plan provides yearly coverage for eye examinations and partial or full coverage eyeglasses, sunglasses, and contact lenses, with or without copays, depending on the plan chosen.
