What is dental insurance?

Dental insurance is designed to help cover the costs associated with dental care and maintaining good oral health. Often times, a dental insurance policy can pay for the full amount of the expensive preventative treatments.

However, maintaining good oral health sometimes has to be achieved through other costly dental procedures besides the routine trip to the dentist. Such procedures can include x-rays, sealants and emergency oral evaluation.

Other advantages include:

  • No deductibles
  • No precertification
  • The freedom and flexibility to choose your own dentist 
  • No networks, so you can be treated at the hospital of your choice
  • You own your policy, so even if you change jobs or retire, you can take it with


What is vision insurance?

Vision insurance is a policy that entitles you to specific eye care and eye wear benefits for eye surgeries, specific eye diseases, and permanent visual impairment. Since there are no provider network stipulations, you'll have the freedom to use your preferred eye-care provider. And with the vision correction benefit options (at time of application), you can choose the benefits amount and frequency of exams that best meet your needs.

Why do I need vision insurance?

Even in today's economy, budgeting for regular eye exams is vital because early diagnosis and timely treatment of eye diseases – such as diabetic retinopathy, cataracts, and glaucoma – is made possible.

Your vision insurance policy
can help you pay for:

  • Eye Exams
  • Vision correction materials
  • Specific eye diseases
  • Permanent visual impairment

 

 

 

 

 

 

 

 
Providers

Click on one of the providers below to receive a free, instant quote:

dental and vision for you

Humana One

 

UnitedHealthOne

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Why you need dental insurance

• Good oral care--including periodic wellness visits--helps reduce the likelihood of expensive treatment later on. For every $1 spent on prevention in oral health care, $8 to $50 are saved in restorative and emergency treatment.

"Take a Bite Out of Dental Expenses," ADHA, September 19, 2009

Why you need vision insurance

• Vision problems are the second most prevalent health problem in the country affecting more than 120 million people

• The annual financial burden of major adult vision disorders exceeds $50 billion annually

• Only 21 percent of employers offer or contribute to vision benefits

Vision Council of America, Vision in Business 2007



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