Dental Insurance and Vision Plans

Do dental insurance and vision plans make sense together? Absolutely! You should always consider all the “extras” an all care dental plan can offer you for only a few dollars extra in premiums per month.

Good vision insurance should cover a thorough examination by a vision professional in full, after you meet the small co-pay payment (usually $5-$10 per visit). Your lenses are prescribed by your eyecare specialist and should also be fully covered by your monthly premiums.

Standard single vision lenses are most commonly prescribed, but you can also probably get coverage for bifocals, trifocals, and even specialty and progressive lenses. This adds up to a big cost-savings every year.

Eyeglass frames and contact lenses can be expensive, so read your dental insurance vision benefits carefully. Large discounts on frames (up to $150) lets you relax while trying them on. Choose the right frames for your face and lifestyle, and then worry about the price!

Your contact lenses should also be discounted. If contact lenses are medically necessary for you or a member of your family, the lenses could be 100 percent covered by your vision plan.

Major medical insurance costs thousands of dollars per year, and it doesn’t cover dental treatments, vision services, chiropractic care, prescription drug discounts, hearing devices and many other services you actually need on a daily basis. An all care dental plan which includes these other “extras” is a great asset to your overall health. It is amazing how cheap dental insurance vision coverage can be if you shop around and ask a few questions of your insurance provider.

The most expensive and comprehensive dental insurance vision plan (which still costs less than $17 per month for the whole family) also includes discount savings on prescription drugs, behavior counseling, hearing, alternative medicine, chiropractic, health clubs, senior care, physical therapy, 24-hour nursing hotline, diabetes supplies, and even emergency travel assistance for good measure. That is a lot of value for very little money.

Don’t forget to check on in-network and out-of-network providers. When you are considering which plan will best meet your family’s dental and vision needs, obtain a complete list of dental providers and vision professionals who have contracted with your insurance company. You must check if your current dentist and optician are on those lists.

An all care dental insurance vision plan that includes both of your preferred professionals is, of course, ideal. However, if one of them is not on the preferred provider list, contact him or her to ask if they will accept your particular dental insurance and vision insurance company. It is not difficult to join a network and be added to the company’s list, and many providers will see that as a great advantage to their businesses.

When you get combined insurance that covers the actual needs of you and your family, you will see better, smile bigger, and simply be healthier. Dental insurance and vision plans go together nicely, and are well worth the small premiums you pay each month.