DENTAL + VISION PLANS
Dental plans include coverage for preventive care such as routine exams, cleanings, and x-rays. Some plans require a copay for preventive services, while other plans cover those services at 100% with no co-pay. Depending on the plan you choose, preventive services may also be covered. Many dental plans, for example, include coverage for basic services such as fillings and extractions as well as major services like root canals, crowns, and more.
Vision insurance works like traditional health insurance. Depending on how much coverage a plan offers, policyholders may have a co-pay to receive a comprehensive eye exam, or the insurance company may pay for the entire exam if the policyholder goes to an optometrist in the insurance company’s network. Some traditional vision insurance plans cover the eye exam but not eyeglasses or contact lenses. Other plans may charge a co-pay for eyeglasses. Some will cover eyeglasses but not prescription sunglasses. In many cases, the insurance company will pay a certain amount of money for frames and lenses; however, if the policyholder chooses frames that are more expensive than what the company allows, he/she will have to pay the difference between what the insurance company allows and the cost of the frames.