Vision insurance provides coverage for services relating to the care and treatment of the eyes. It typically covers services delivered by an optometrist or ophthalmologist. Depending on the specific plan, some or all of the following services may be covered:
Yearly eye exams – glasses (with an annual limit).
Contact lenses and fitting (with an annual limit).
Some vision insurance plans may provide more extensive coverage (such as certain eye surgeries), while others may limit coverage to “reasonable and customary” charges incurred during routine eye exams. Reasonable and customary charges generally do not include the cost of glasses and contact lenses.
Individual Dental Insurance
Individual Dental Insurance is available to individuals and families that are not covered by group dental insurance. For people without dental insurance, cost often stands in the way of getting the care they need to maintain the health of their teeth and gums. Even for routine preventive care, a trip to the dentist’s office could mean a substantial amount of money out of your pocket.
A freedom-of-choice plan allows you to see any dentist you wish. However, this plan does impose 6- to 12-month waiting periods for some services. This is not the best plan for an individual who needs comprehensive coverage within the first 12 months. However, if dental coverage is desired for a long period of time, and there is no rush to receive the major benefits, this plan may work for you.
The Insurance Works Agency, Inc. offers free, comparative quotes on Individual Vision & Dental Insurance from multiple insurance carriers so you can get the best possible rate.
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