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Dental And Vision Insurance Packages

Vision Insurance And Dental Coverage Go Great Together

New Dental and Vision Coverage Options Webinar
  • Andrea Feucht, 12/08/2021 12:00 am

At the end of each year we often have a renewed commitment to our future health. We are full of energy and excited to start new projects, buckle down on our fitness goals, learn new skills or break old habits that are no longer serving us. But we dont need the end of the year to embrace anything healthy.

No matter the season, taking care of your body from head to toe is important for day to day well-being, long-term health and even overall happiness. For many of us, making sure that we are doing all the right things for health is made easier when we have insurance coverage. It helps to cover costs and removes some stress about financial burdens from unexpected events.

But sometimes the standard insurance offered isnt enough for your entire body. If you currently have medical insurance coverage and have wondered if you really need dental or vision, nows the time to learn about your options and consider signing up. Well show you how dental insurance and vision insurance are a match made in heaven.

For Vision and Dental Health, Go Beyond Regular Medical Insurance

Your medical insurance covers many things you would expect, from doctor visits to hospital stays to prescription drugs. Those plans often cover preventative care like blood tests and cancer screenings like mammograms.

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Ready to Get Dental and Vision Insurance?

Where To Get Vision And Dental

When youre ready to take the next step toward acquiring vision or dental insurance, let HealthMarkets help. We have over 3,000 licensed agents ready to guide you toward a dental, vision, or another type of supplemental health insurance plan that will fill the gaps in your coverage, fit your needs, and fit your budget alike. Just call 360-1402.

We offer thousands of plans from over 180 insurance providers nationwide. To date, we have sold over two million policies and have earned an A+ rating from the Better Business Bureau.

Contact one of our agents today to get started on your way toward a better vision, better oral health, and bigger savings.


Individual And Family Health Insurance Plans

Individual and family health insurance helps pay for the cost of health care, including medical emergencies, routine doctor’s appointments, preventative care, and inpatient/outpatient treatment. With a family insurance plan, you, your spouse or partner, and your eligible children under 26 years old are usually covered. You typically pay a monthly premium, plus a deductible or copayment.

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Adult & Child Dental Insurance In The Marketplace

  • Dental coverage is an essential health benefit for children. This means if youâre getting health coverage for someone 18 or younger, dental coverage must be available for your child either as part of a health plan or as a separate dental plan.Note: While dental coverage for children must be available to you, you donât have to buy it.
  • Dental coverage isn’t an essential health benefit for adults. Health plans donât have to offer adult dental coverage.

How Much Supplementary Health Or Dental Insurance Do You Need

Insurance Plus Marketplace

There are a wide variety of supplementary health and dental insurance plans, each with their own level of coverage, but the amount of health insurance you need is a highly personal decision. Only you can decide how much is right for you, but an insurance agent or company may be able to help you make those decisions. Visit the finding an insurance agent or company section of Working With an Insurance Agent or Company to find someone who can help you.

Factors to consider when deciding how much coverage you need include:

  • How much can you afford to pay each month? Each year?
  • Supplementary Health and Dental Insurance | 101: Getting Started 4

  • Do you have any other supplementary health insurance through your employer, a parents group plan or a spouse/partner?
  • Do you require prescription drugs on an ongoing basis?
  • Are you willing to share a hospital room, or do you prefer a private room?
  • Do you wear glasses or contact lenses?
  • Do you receive medical services from professionals such as chiropractors or massage therapists?
  • Can you afford to pay out of pocket for ambulance fees?
  • Do you have a chronic illness that requires more extensive medical services than OHIP provides?
  • Do you have a pre-existing medical condition? Some supplementary health insurance plans do not cover this. Be sure to shop around to find an insurer who might.

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Care Costs Less When You Use A Network Dentist

In a DHMO, you’re only covered when you see a network dentist. But what about a DPPO? Even though you go can outside of the network, it’s almost always worth your while to see a network dentist because you’ll get the PPO discount: insurance companies negotiate discounted fees on your behalf, and the savings can be substantial . For example, if your dentist typically charges $100 for a particular treatment, with the discount, you may only be charged $60-$70.

How To Get The Coverage You Need

Looking to make dental and eye care more affordable for you and your family? Dental and vision insurance are great ways to help do that because they cover preventive dental care and eye exams and more. Learn more about why coverage is important, how plans work, and ways to get coverage that fits your budget.

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Dental And Vision Insurance Plans And Packages

If you are shopping for dental and vision insurance quotes you came to the right place. We offer both stand alone dental and stand alone vision policies. However, it is important to know that buying coverage in a package is usually more cost effective. Right now the market has limited policies that are available to individuals and families in search of both dental and vision insurance. Packaging the policies can save you up to $50 per a year.

Hot Tip: Most policies only issue one bill and one card for the dental and vision insurance policy. This give you less to worry about, because you only have one policy to keep track of.

Standalone Individual Dental And Vision Bundles

How to choose health, dental, and vision insurance: A comprehensive guide

Standalone dental plans are available for purchase. Some even offer plans designed with older adults in mind. In contrast to Medigap, Original Medicare, and a large number of Medicare Advantage plans, standalone plans and bundles ensure youre covered for every type of dental and vision care you need.

Here are three providers that offer dental and vision care, some as part of Medicare Advantage and others as standalone insurance.

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How Vision Plans Work And Provide Savings

Vision plans provide coverage for routine eye care exams not covered by most medical plans. But unlike dental insurance plans, they also provide discounts on the eyeglasses and contact lenses you need to correct vision problems. And you’ll find that the plans are typically very affordable.

75% of us need vision correction4 so even if you have 20/20 eyesight now, chances are you’ll need correction at some point in your life. Adults and children alike should have an annual eye exam to test for such things as sharpness, color blindness, how the eyes work together, the presence of glaucoma, peripheral range, and more. For a few dollars a month, a vision plan can make annual eye exam services more affordable while also helping lower the expense of other types of eye care:

Dental Vision And Life Insurance Plans

Complete your health benefits package with dental, vision and life insurance coverage.Help your employees be part of a healthier and happier workforce with Blue Shield specialty products. Specialty products can be purchased with or without a Blue Shield medical plan.

See how integrating medical and specialty coverage into one consolidated experience adds value for your employees.

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What Is Supplementary Health And Dental Insurance

If you live in Ontario, you are probably covered under the government-funded Ontario Health Insurance Plan . When you are approved for OHIP, youll get an Ontario health card which enables you to go to a doctor, clinic, hospital or emergency room, and receive medical attention, tests and surgeries at no cost to you.

But OHIP only partially covers or doesnt cover some medical services like prescription drugs and vision care, and it does not cover dental care. To pay for medical needs and dental care that OHIP doesnt cover, you may want to consider purchasing supplementary health insurance also known as extended health insurance, or private health insurance, and supplementary dental insurance.

You might have supplementary health and dental insurance through your employer, known as group insurance, or you may decide to buy your own policies, known as individual insurance. Supplementary health and dental insurance is a way to get the medical services you need, at an affordable price. To find out more about the different types of supplementary health and dental insurance, visit Types of Supplementary Health and Dental Insurance.

How Dental Plans Work And Help Save You Money

MEC Plans

Most dental care is preventive: checkups, cleanings, and simple procedures like X-rays and fillings that catch little problems before they become bigger problems. So dental coverage focuses on preventive and basic procedures and one way to help lower the cost of coverage is by getting a plan that only offers those benefits. But if you or someone in your family needs more comprehensive services, “full coverage” dental insurance could be a better value. Full coverage plans typically cover more types of preventive and basic restorative procedures . These plans can also cover major restorative care, such as bridges, crowns, dentures, and the like. Have kids with crooked teeth? Plans with orthodontic coverage options are also available — and they can help save you money by covering portion of the costs for braces and other types of teeth aligners.

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Looking For A Vision Plan

We have plans for all ages. Check out our vision + dental combo plan, too.

Visit with our friendly insurance experts at our ArkansasBlue Welcome Centers.

This website is owned and operated by USAble Mutual Insurance Company, d/b/a Arkansas Blue Cross and Blue Shield. Arkansas Blue Cross and Blue Shield is an Independent Licensee of the Blue Cross and Blue Shield Association and is licensed to offer health plans in all 75 counties of Arkansas.

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How Does It Work

Supplementary health and dental insurance policies are contracts between you and an insurance company. You agree to pay a yearly or monthly fee called a premium, and the company agrees to pay the benefits which are covered under your policy. Your policy will outline what is included and what is not.

Here are some common features of supplementary health and dental insurance:

  • Most policies do not cover 100 per cent of your medical expenses. You may have to pay some of the medical expenses you and your dependants incur. This is known as the deductible. Each policy is structured differently and you might have family deductibles or per service deductibles .
  • Some plans have a co-insurance feature in addition to the deductible. That means you have to pay a percentage, or co-insure, the medical expenses on top of your deductible. It could be 10 per cent of the eligible medical expense, or higher, and it may depend on the type of medical service required.
  • You may also have dollar or percentage limits, or maximums placed on the amount of benefits that you can receive. Maximums can apply to specific health benefits like eyeglasses or massage therapy sessions in a specified period typically a year, or during your lifetime.

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Bundling Dental Insurance And Vision Insurance

On Medicare? Employer offers no plans? Looking to round out coverage? Choose a Dental and Vision insurance bundle.

  • Find popular dental and vision insurance plans with no maximum age limits.3
  • Use your plans immediately, no waiting periods or deductibles for dental preventive care and eye exams.

Bluecare Dentalsm Is The Right Choice

The Unique and Unexpected Perks of UnitedHealthcare Dental or Vision Plans

Complete your health care coverage with a dental plan from Blue Cross and Blue Shield of Texas .

Dental care is vital to your overall health. Thats why Blue Cross and Blue Shield of Texas offers BlueCare Dental plans for everyone in the family.

Our dental plans provide you with coverage for preventive services like checkups, cleanings and basic X-rays, as well as procedures like fillings, bridges and crowns.

With BlueCare Dental, discounts of 30 to 50% can lower your cost of dental care each time you use a network dentist.

Youll have access to one of the largest dental networks in the country. You also get the freedom to choose any general dentist or specialist in the network without a referral.

  • Individual & Family plans for adults and children
  • Medicare Advantage plans
  • Teledentistry offered on some PPO plans

Visit the Dental Wellness Center to learn more about how dental coverage works and to find a BlueCare Dental provider.

Benefits for Employers

Adding dental to your medical plan can benefit you and your employees. Studies show that members with certain chronic conditions who receive regular dental care may experience:

  • 24% lower annual medical claims
  • 32% fewer ER visits

And lower medical premiums/fees may be available when you add dental and other ancillary coverage.

Talk to your account representative about adding dental to your benefits package.

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What Ohip Covers And What It Doesnt

Before you can decide whether or not you need supplementary health and dental insurance, you should have an idea about the kinds of services OHIP does and doesnt pay for. The basic expenses covered by OHIP include:

  • Visits to doctors

For a full list visit What OHIP Covers.

What OHIP doesnt typically cover:

  • Prescription drugs/medicines provided outside of hospitals such as antibiotics, painkillers, and some cancer drugs
  • Specified elective medical services such as chiropractors or massage therapists
  • Semi-private or private hospital rooms
  • Some medical exams, tests and vaccinations

Dental Coverage Is Available 2 Ways

  • Health plans with dental coverage: Some Marketplace health plans have dental coverage. You can see which plans include dental coverage when you compare them.If a health plan includes dental, the premium covers both health and dental coverage.
  • In some cases, separate dental plans are offered. You can see them when you shop for plans in the Marketplace.If you pick a separate dental plan, youâll pay a separate premium. This is in addition to the premium you pay for your Marketplace health plan.

How to preview dental plans

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What Dental Insurance Covers

Supplemental dental insurance can go a long way in helping to pay for a number of services that range from basic care to advanced surgical procedures. As evidenced by the 100-80-50 model, the more advanced the procedure, the less coverage you might expect to receive from your dental insurance plan.

These services, in order from the most basic of care to the more advanced include:

Preventive care. Routine dental exams and cleanings typically take place every six months and are covered in full by most dental insurance policies.

Restorative care. Restorative care consists of any minor procedures to treat damaged or decayed teeth, such as fillings.

Endodontics. More advanced damage or decay will require more involved procedures like root canals.

Oral surgery. Common oral surgeries include teeth removal, the drainage of infections, and gum tissue biopsies.

Orthodontics. This includes the installation, maintenance, and removal of braces and retainers.

Periodontics. Periodontics involves the treatment of gum disease, infections, and lesions.

Prosthodontics. Fittings and installations of dentures and bridges can be expensive, and you will need a quality insurance policy to help alleviate this cost.

Can I Use My Dental Insurance Right Away


The answer is YES. Your preventive dental coverage is available to use instantly. This means on your policy effective date you are allowed see the dentist, get cleanings, x-rays, and exams. If you are in need of dental insurance with no waiting periods on fillings or major dental work, we can also have recommendations for this type of coverage.

Right now in the US an average cost of cleanings, x-rays, and exams is around $250-$400 depending where you reside. With dental insurance you can simply pay your first months premium and have this coverage instantly.

Basic and Major dental work coverage may have some waiting periods associated with the treatments. These waiting periods depend on the policy design. Almost all companies offer immediate access to the insurance company rate on all procedures. Learn more about this on our overview to dental insurance page.

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Affordable Cigna Dental Insurance Plans

If you are buying dental insurance on your own, we make it easy to find an affordable plan, including options that bundle vision and hearing coverage. Our plans start from less than a $1 day.1 Shop year-round, 24/7/365, and join the over 18 million customers who choose Cigna Dental.2

Shop and compare Dental plans now

Find in-network dentists, too, in a few short steps.

Or, you can call for a free quote, Mon-Fri, 8 am – 8 pm, ET

Vision And Dental Insurance For Children

While vision and dental insurance for adults is not a requirement of the Affordable Care Act, vision and dental benefits for children is a required benefit offer under all plans that qualify as minimum essential coverage.

This means that all children under the age of 19 enrolled in individual, family, and small group health insurance plans must be offered basic and preventive care for vision and dental.

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Medicare Or Standard Health Coverage Typically Excludes Vision & Dental Insurance

Large insurance providers across the U.S. are offering bundled vision and dental plans to cover any eye or mouth condition you may need help for. This is especially important for older adults, who need supplemental insurance to go with Medicare.

While Medicare assists adults of retirement age, very few dental and vision needs are covered. Medicare Part A, for example, covers hospitalization services, including emergency dental procedures, but no Medicare parts cover routine exams, procedures, or supplies.

Medicare also does not cover routine eye exams for glasses or contact lenses, including bifocals or reading glasses. If you have diabetes, glaucoma, or macular degeneration, Medicare may cover some of the costs of eye exams since they are considered medically necessary.

If you need to add a dental and vision insurance package to your Medicare benefits or other standard health insurance benefits, there are several options. Some of the most popular plans include:

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