Dental and Vision

 

Establishing new dental coverage or enhancing existing benefits is both easy and affordable. We have great money-saving solutions for dental and vision for our clients!

A+ Insurance Service knows how important dental care is for your long-term health. Our clients (and their teeth) are very important to us! We will make sure that we find a plan that fits your needs and stays within your budget.

Vision insurance helps to offset the costs of routine checkups, glasses and other prescribed vision correction wear.

Things to consider for dental and vision coverage:

Where is the coverage accepted – Some dental or vision plans are set up like medical HMOs with specific provider networks or, in the case of vision plans, certain chains that sell eyewear. Others are more like PPOs with long lists of providers that accept the plan. offer out-of-network coverage that lets you go to most dentists and optometrists.

Dental waiting periods – Some dental insurance plans – but not all – have a waiting period before more expensive dental procedures are covered. The length of time varies by plan, type of procedure and whether you had coverage before. The waiting periods were established so people did not buy dental coverage once they need a root canal, crown or other expensive work and then drop the coverage later.

Levels of benefits – There are different deductibles and coverage levels for dental and vision plans based on services needed. For example, a regular dental checkup on many plans has no deductible or copayment, but a filling will have a copayment amount or coinsurance level. Some vision plans cover new frames every year, others only cover frames every other year. Some have a set amount they will pay towards any eyeglass frame; others have a percentage covered or better limits for certain brands of frames.

Dental Plan Maximums – While medical insurance plans have an annual maximum amount you can pay out-of-pocket, many dental insurance plans have the opposite.Dental insurance plans have an annual maximum amount they will pay for treatment in any given year. For example, if someone has a plan with a $1,000 maximum and has a lot of work done early in the year, they may not have any coverage until the following year. So, someone needed a lot of fillings or other work done may need to space it out or pay for it themselves.