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What is Vision, Dental, and Hearing Insurance
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Many health insurance policies do not cover the areas of vision, dental, and hearing. You independent insurance advisor can find carriers that provide these as individual coverage or group them together to have all three. The thing to remember is there are annual maximums for these insurance policies. These policies are available for individual purchase or if you have a business you could provide your employees with' a group policy.
Vision can cover exams, glasses, and lenses. Dental exams, x rays, and other things as noted in the coverage you select. Hearing insurance is for exams and depending on the coverage some help with the cost of hearing aids.
Each of these types of coverage may vary when full coverage may start, review the policy with your insurance advisor to see coverage per year from year 1 to year 3. Each carrier varies and your advisor can help find the carrier that fits your needs.
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Vision Care Insurance
Is an insurance that requires the policyholder to pay a monthly fee in exchange for reduced-cost fees on some eye health and vision correction services and products. Depending on the carrier the insurance will often cover routine expenses such as eye exams, contact lens fittings, contact lenses, and eyeglass lenses and frames. Review the policies to see if there is a discount on LASIK procedures.
Vision insurance can be purchased as a standalone plan for an individual or as a group plan by a business owner.
Why do I need an eye exam?
Your eyes are important for everyday life, routine eye exams are a preventive measure for keeping your overall health and wellness. Your doctor can look for vision problems and signs of serious medical conditions such as glaucoma, cataracts, diabetes, and even cancer. This important at any age but even more so for people age 65 plus. Vision care later in life can prolong how you enjoy your retirement years. Many retirees lose vision benefits if they had them when they leave their companies in retirement. Supplemental vision policies help to feel the gaps.
There are annual maximums and coverage limits that vary from carrier to carrier. Your insurance advisor can help find the best solution for your budget.
Dental Insurance coverage for individuals protects them against dental costs.
If your health insurance does not cover dental then this supplemental coverage can insure against the expense of treatment and care of dental disease and accident to teeth. Plans can be an open or closed network. An open network is where an individual can visit any dentist for treatments at a predetermined rate for services provided. A closed network is where individuals receive dental care from a defined panel of dentists. Network dentist charges less than usual fees to the plan purchaser. Individual seeing a dentist outside of the network in a closed plan would pay are often required to pay a greater share of the fee-for-service.
Dental insurance is important for those over 65 as they may have lost their coverage when they retired. Dental health can be an indication of other health issues as you get older.
Again there are coverages for individuals and for the business owner who wants to provide coverage for their employees, work with your insurance advisor to determine amounts and limits that fit into your budget.
Quality of life can be limited when you cannot hear. Insurance is available for the young to the elderly.
We have carriers that provide a true insurance policy, not simply a discount program. Coverage for hearing exams provides individuals and group members the knowledge of the hearing baseline. Over time with age many experience hearing loss. Depending on the carrier there are limits to the amount provided for hearing aids. Coverage and limits may vary from the carrier from year one too when the policy reaches limit maturity.