Medicare and most health insurances do not offer coverage for dental care or regular vision care. Medicare may cover costs for treatment of diseases of the eye, such as macular degeneration, glaucoma and, cataracts but will not pay for routine eye exams and glasses.
As many people need to purchase supplemental dental and vision insurance for budgeting purposes, we offer multiple options for additional coverage.
Dental Insurance Options and Service Plans
The dental options we offer are typically for either comprehensive dental insurance or for discount dental service plans. We typically find the discount dental plan to be a good value for most people if your dentist accepts one.
• Dental Insurance
Typically, dental insurance has a premium of $33 to $47 per month. Preventive care is covered at 100%. Major dental work (such as crowns), have a 12 month waiting period. Typically the most a policy will pay is around $1,000 per year. Typical contracts run for 12 months and they generally offer a vision discount as well. Generally, even if your dentist isn’t in the network, you will still get a discount on services.
• Discount Dental Plan
These plans are not typical dental insurance but rather are discount service plans. Premiums are around $120 to $160 per year. There are family plans available as well as individual plans. These discount dental plans have no deductible, no waiting period, and no annual maximum. Services are provided at discounted rates, which are typically 40% to 60% off the published fee schedule. Plans can be put in place within 1 to 3 business days. Some of these plans can even include discounts on vision as well. Not all dentists will accept these plans.
There are some vision only insurance plans. Typically, these vision insurance plans will have a network of providers you must select from. You will typically receive an allowance for eye glasses or contacts, and the program will cover routine eye exams. We find that often times the specials that vision providers offer are better than what you may get with a vision insurance plan.
We Are Dental and Vision Insurance Experts
At Imagine Insurance Advisors, we are dental insurance and vision insurance experts. We make it easy for you and help you select the best plan for your needs and budget. Just let us know your dentist and vision provider in advance so we can shop our insurance programs for the best fit for you.