Dental and Vision

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Why You Need Dental Insurance?

Dental insurance is essential for several reasons, as it provides financial protection, promotes preventive care, and ensures access to necessary treatments.  Most dental insurance plans cover preventive services like cleanings, exams, and X-rays at little to no cost.  These regular check-ups help maintain oral health and catch problems early. Dental insurance plans come in several different types, each with its own benefits and limitations:

Preferred Provider Organization Plans (PPO) – Network flexibility, often higher premiums

Health Maintenance Organization Plans (HMO)  – Network Restrictions, lower cost

Indemnity Plans – Freedom of choice, insurance company reimburses a set percentage of total charges

Fee-for-Service Plans – Network flexibility, insurer pays a percentage of cost of services

Vision Insurance

Vision insurance provides coverage for services rendered by eye care professionals, including ophthalmologists and optometrists. Numerous vision insurance companies offer plans that typically cover annual eye examinations and provide partial or full coverage for eyeglasses, sunglasses, and contact lenses. Depending on the plan, these services may come with or without copays.