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Individual Vision And Dental Insurance

Vision Insurance And Dental Coverage Go Great Together

How to Choose an Ameritas Individual Dental and Vision Plan
  • 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.

Vision and Dental Health: Windows Into Your Overall Well-Being

Dental Insurance: So Much More Than X-Rays

Ready to Get Dental and Vision Insurance?

Why Dental And Eye Care Are So Important

People often overlook oral and eye health but they’re essential to our overall wellbeing. Many serious conditions can be detected early by an eye exam, including diabetes, high cholesterol, and hypertension.1 Oral exams can be just as revealing: More than 90% of all common diseases have oral symptoms.2 And the importance of oral health goes beyond detection: Guardian studies3 and other third-party research show that good oral health can help adults avoid or better manage serious health-related issues:

  • Diabetes Periodontal infections contribute to problems with glycemic control, which compromises the health of diabetic patients.
  • Heart disease The inflammation associated with periodontal disease has a high potential to contribute to coronary artery disease. Good oral health can lower that risk.
  • Pregnancy Studies have indicated that mothers with high levels of certain oral bacteria were found to have children with similarly high levels of bacteria, along with a higher risk of tooth decay.
  • Self-esteem Research shows that healthy teeth and gums are important to a person’s self-esteem and feelings about themselves.

It’s hard to consider yourself a healthy and happy person when your eyesight is impaired, your mouth hurts, or you’re worried about what’s happening with your teeth. But affordable dental insurance and vision insurance can help you avoid all that!

Need Help Finding A Plan

Answer a few questions to see which insurance options may be available for you.

Footnotes

  • Primary insured must be 18 years of age or older.
  • Vision plans are administered by Spectera, Inc. 12-month initial policy term required . See plan brochure for specific information.
  • Available in most states. Additional premium required.
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    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.

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    Who Has The Best Dental And Vision Insurance

    Humana Vision Insurance / Humana HMO &  In

    It’s hard to say who has the best dental insurance plan because no single plan is right for every person. For example, there is almost always a trade-off between cost and dentist choice. A DHMO plan will typically cost less, but with a limited number of dentists available, you probably won’t get to stay with your current dentist. On the other hand, if you are comparing dental or eye care plans from two different insurance companies, you might want to go with the plan that offers a larger number of dentists and vision providers.

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    Tax Credits For The Self

    Before you rule out self-employed dental insurance because of the cost, you might be happy to know that there could be tax credits available to you for buying self-employed dental insurance and vision or for paying for dental or vision care.

    If you pay for your own self-employed dental insurance and/or vision plan, you might qualify to deduct the cost of the premium that you paid for yourself, and possibly even the amount you paid to cover your dependent, depending on your circumstances.

    This article is only for general information and is not tax or legal advice. Consult your tax or legal advisor for guidance.

    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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    Delta Dental Individual And Family Plans

    Whether you’re self-employed, transitioning from an existing insurance plan, retired, or just need dental or vision coverage because your employer doesn’t offer it, we offer cost-effective choices for individuals and families. We have six dental plan options and two vision plan options, each with varying coverage levels to meet your needs.

    Can Vision Problems Cause Motion Sickness

    Ameritas PrimeStar Individual Dental and Vision Insurance

    Motion sickness can make travelling a poor experience due to nausea, headaches, and dizziness. You wouldnt typically visit your optometrist for motion sickness, but can this condition have a connection to your eyes? If you experience motion sickness, can an eye problem be the cause? Continue reading to learn more about motion sickness, including if

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    Vision And Dental Insurance In The Workplace

    Under the Affordable Care Act, companies with at least 50 employees are required to provide group health insurance for their employees or face a penalty. However, vision and dental insurance are not required as part of this mandate.

    As a result, vision and dental insurance benefits granted by an employer-sponsored plan are the exception, not the rule. In fact, only 53 percent of companies that offered health insurance in 2014 provided any sort of dental benefits, and only 35 percent of such companies offered vision insurance.

    Meanwhile, according to a benefits trend study conducted by MetLife, the two most popular voluntary benefit programs for employees are vision and dental insurance.

    Bluecare Dentalsm Is The Right Choice

    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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    Choose The Right Vision And Dental Insurance

    • Richard Lee, 11/15/2021 12:00 am

    Nobody ever gave you a manual for life, did they? What about one for when your first child was born? No? All the same, you still managed to take care of the needs of you and your family. That resilience is remarkable, so this time around, you deserve to have things easier. Especially when it comes to finding the right vision and dental insurance for your family. This time around, VSP has you covered.

    Vision insurance ins and outs

    We all need insurance, but unlike many other types of insurance, the more you use your vision insurance, the more you and your family stand to benefit from having it. For example, the idea behind homeowners insurance or auto insurance is to have a safety net should something bad happen. But when you have vision insurance, by contrast, with every additional benefit that you take advantage of during the year, the more consistent vision correction your family will enjoy in the long term.

    Thankfully, when you extend an individual vision insurance plan to your family, you all get an annual comprehensive eye exam for just the cost of your copay. An annual eye exam is not only important for detecting, diagnosing, and treating vision abnormalities early assisting in preventing long-term damagesbut it is also a vital asset to your overall health. During an eye exam, your eye doctor will also be able to see if you show signs of certain chronic illnesses, like high blood pressure and diabetes.

    Dental insurance ins and outs

    How Can Dental Plans Make Dental Care More Affordable

    Dental_Vision

    Dental plans can help you manage your dental care costs better because the cost of not taking care of your oral health could be more.

    • People without individual dental coverage are less likely to get routine dental care
    • Waiting until theres a problem means that dental treatment will often be more involved and expensive
    • Major problems linked to poor oral health are more likely to appear3

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    How Much Supplementary Health Or Dental Insurance Do You Need

    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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    What Vision Insurance Covers

    Like health insurance, vision insurance can aid with the cost of examinations, treatments, prescriptions, surgical procedures, and equipment. Some of the things most commonly covered by vision insurance plans include:

    Eye exams. This preventive care measure is generally performed once a year and involves a series of tests to gauge the health of your eyes across several different parameters. The things tested for during an eye exam can include the sharpness of your vision, color blindness, how your eyes work together as a unit, a presence of glaucoma, your range of peripheral vision, and more. Eye exams can be instrumental in providing an early detection of eye disease, any developing vision problems, or a need for corrective lenses.

    Eyewear. Glasses and contact lenses can be expensive but are often at least partially covered by vision insurance. Some vision insurance plans may limit coverage to eyewear purchased through your optometrist or a network-approved vision center. Sometimes, even prescription sunglasses may be covered.

    Lens coatings and enhancements. Some vision insurance plans can help with the cost of a lens coating. Lenses can be coated with substances to decrease scratching, fog and moisture, reflections, and exposure to ultraviolet rays.

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    How To Lower Out

    The out-of-pocket cost you owe for a given treatment or service may vary widely depending on the insurer and specific plan you choose. Generally speaking, they will be lower in a DHMO plan than a DPPO plan, but look at the Plan Summary for a list of costs and complete details. Here are the different kinds of out-of-pocket expenses you can expect to see, with tips on how to help lower them:

    • Deductibles In a DPPO plan, there’s usually a deductible of about $50 for an individual or $150 for a family it’s the amount you have to pay before the plan starts to cover treatments other than checkups. To avoid that cost, choose a DHMO plan because they typically don’t have deductibles.
    • Coinsurance This is the percentage of costs you owe for a visit or treatment once you’ve met your DPPO plan deductible. In a 80/60/40 plan, the insurance company pays 80% for preventive care, 60% for a basic procedure and 40% of the cost for a major procedure, and you are responsible for the rest. If you choose a 100/70/50 plan, your coinsurance will be that much lower. DHMO plans don’t have coinsurance, but you will typically have a copay amount to pay for each service received.
    • Annual maximums DPPO plans usually cap the total amount they will cover for services in a given year, and you are responsible for anything over this maximum amount. If you think you’ll need a lot of dental care, look for a plan with a higher annual maximum, or choose a DHMO because they typically don’t have maximums.

    What Is Supplementary Health And Dental Insurance

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

    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.

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    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.

    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:

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