Dental Vision Insurance

Dental/Vision/Life Insurance

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Dental/Vision Plans

We can offer dental and vision through employer groups often with a bundled discount if other benefit products are purchased. We can also offer a stand-alone plan for individuals and families.

Dental Plans

You have many options to decide what coverage you need. There are DPPO’s, DHMO’s, Indemnity Plans, and Discount Plans that give you access to specific networks and save you money with negotiated rates. Some plans have waiting periods, while others increase coverage benefits over a 3-yearperiod, have roll-over amounts from year to year, as well as orthodontia or implant benefits. All dental plans have an annual maximum the plan will pay. The higher the maximum benefit, the more the premium

May IncludeDPPO Dental PlanDHMO Dental PlanIndemnity PlanDiscount Dental Plan
Deductibles$50/150/ or $200 Ind/Fam/or LifeTime (waived for preventative)$50/150/ or $200 Ind/Fam/or LifeTime (waived for preventative)May have a DeductibleNone
PreventativeUsually 100% Covered if in-Network/80-95% Out-of-Network may Balance billUsually No Cost or Small Co-Pay if in-Network/No Out-of-Network BenefitsPays you a specific amount depending on your benefit level; may pay dentist directlySimple Fee Schedule ( Savings of 50-70%) if in-Network / No Out-of-Network Benefits
Basic ServicesUsually 50-80%  if in-Network/60-75% Out-of-Network may Balance billUsually 50-80%  if in-Network / No Out-of-Network CoveragePays you a specific amount depending on your benefit level; may pay dentist directlySimple Fee Schedule ( Savings of 50-70%) if in-Network / No Out-of-Network Benefits
Major ServicesUsually 50%  if in-Network/30-45% Out-of-Network may Balance billUsually 50%  if in-Network/ / No  Out-of-Network CoveragePays you a specific amount depending on your benefit level; may pay dentist directlySimple Fee Schedule ( Savings of 50-70%) if in-Network / No Out-of-Network Benefits
Benefit MaximumUsually $1000-$2000 if in-Network / Out-of-Network may Balance billUsually $1000-$2000 if In-Network / No Out-of-Network coverageMay be able to purchase a higher Benefit Maximum to cover more dental workNone
Waiting PeriodsUsually, None for Preventative, 6 mos. Basic/12 mos. Major Waived if coming off other coverageUsually, None for Preventative, 6 mos. Basic/12 mos. Major Waived if coming off other coverageUsually, None for Preventative, May have for restorative care 3-12None

Vision Plans

Vision insurance is generally supplemental to other types of medical insurance policies. Stand-alone Vision Plans help offset the costs of routine checkups, frames, lenses and contacts that are prescribed. There are also discounts for other in-network covered services and on lasik at participating providers.

May includeVision insurance planVision discount planMajor Medical plan
Eye ExamsAnnual Exam; usually co-payPre-Negotiated Rates or DiscountsOphthalmology Eye Health Exam
FramesCo-pay / Frequency 12 or 24 mos.Pre-Negotiated Rates or DiscountsNo Benefits
LensesCo-pay / Frequency 12Pre-Negotiated Rates or DiscountsNo Benefits
ContactsCo-pay / Frequency 12Pre-Negotiated Rates or DiscountsNo Benefits
AllowanceUsually $130 – $200 annuallyPre-Negotiated Rates or DiscountsNo Benefits
Waiting PeriodsUsually NoneNoneUsually None

Dental and Vision Care Riders

Dental and vision care can also be purchased as an add-on, also known as a rider with many health care policies. This is generally less expensive than purchasing a separate dental and vision plan, but may offer slightly less coverage.

Employer groups can offer dental and vision plans along with group life and disability to round out their benefit package for their employees. They can be contributory (employer helps pay some of the cost) or voluntary(employee pays entire cost). When these benefits are bundled together we can typically shop them and get better premiums.

Contact us now to learn more about new combined
dental/vision/hearing plans available in your area!

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