Does Health Insurance Cover Vision and Dental?

The insurance industry treats medical, vision, and dental distinctly from each other and not without reason. The insurance needed for routine and emergency dental work isn’t anywhere near what’s needed in case of major cancer treatment, for example. Because these are distinct, they may or may not all be covered by your health insurance policy.

Review Your Health Insurance Policy

Whether your health insurance policy covers vision and dental depends on the protections defined in its documentation. Most policies provide either both additional protections or neither additional protection, although there might be exceptions.

The easiest way to check your policy’s terms is to consult with an insurance agent who knows health insurance. If you live in Burlington, NC, our agents at Don Allred Insurance can help you determine the terms of your particular policy.

Getting Separate Vision and Dental Coverage

If your health insurance doesn’t include vision and dental coverage, each can be purchased separately as a stand-alone policy. Many larger employers offer these as optional (or standard) benefits; you can also purchase them individually if necessary.

When purchasing vision insurance and dental insurance, the two are separate but often have similar structures. A few of the more important details are:

• Network: You’ll usually pay substantially less if you use a provider near Burlington, NC, who’s in the network.
• Out-of-Network Coverage: What can you expect the policy to pay if you use a provider who’s out of network?
• Deductible: How much you pay before the policy begins paying. This can be per-service or annually.
• Limits: The maximum amount the policy will pay. This can be for specific services (e.g. braces), or annually.

Of course, you’ll also want to know the premium and many other specifics.

Check Your Health Insurance Policy

Contact Don Allred Insurance for help determining whether to purchase vision and dental policies. We can review your health insurance policy and assist you with selecting vision and dental policies.