Dental Insurance

Dental Insurance Coverage – What is Included?

​Understanding what is covered by your dental insurance can be challenging. Coverage
differs from policy to policy and from provider to provider. Read the fine print of your
policy or agreement to find out what your dental insurance covers.

In general, dental insurance coverage includes three categories:

  • Preventive and diagnostic dental services: Almost all dental plans and dental insurance policies cover basic dental costs that are meant to prevent dental problems. For the policyholder that means, most plans cover a large part or all the dental costs associated with basic services such as cleaning, checkups, and other dental procedures meant to prevent tooth and gum disease. This coverage is important because it encourages people to seek regular dental care, which can prevent more complicated and costly problems.
  • Dental procedures: Most dental insurance plans cover procedures such as fillings, tooth extractions, fixing chipped teeth, and other such basic procedures. However, basic dental varies from one provider to another. In general, since providers cover a significant portion of dental, it makes sense to select a dental insurance provider that covers as many dental procedures as possible.
  • Major dental procedures: While not all dental insurance plans cover major dental procedures, some do cover at least a portion of these costs. Major dental insurance can include procedures such as dental surgery, orthodontics, denture work, and other large, expensive dental procedures. If you will require major dental procedures at some point in the future you may wish to look for a provider willing to pay for as large a percentage of this type of care as possible.

​This is a brief overview of the coverage that can be included in a Dental Insurance policy. You should read a policy thoroughly before purchasing any insurance policy.



Vision Insurance

Vision insurance helps cover the cost of routine eye exams, contact lenses, and glasses. Some vision plans also pay for corrective procedures such as laser eye surgery. Additionally, most plans include one pair of glasses or contacts a year.

Which policy covers an eye injury or disease?

  • Routine vision exams with optometrists or general ophthalmologists may produce final diagnoses such as nearsightedness, farsightedness, or astigmatism. During this exam, the optometrist or general ophthalmologist might detect a problem related to diabetes or some other disease.
  • A medical eye exam may produce a diagnosis such as conjunctivitis (pink eye), a common occurrence among children. Most insurance companies focus on the reason for your visit, so your health insurance probably would not cover a routine vision eye exam, but a follow-up visit to your doctor because of a problem detected during a routine vision eye exam might very well be covered. Plus, your health insurance probably would cover a doctor’s visit for an eye disease or eye injury.

What Does Vision Insurance Cover?

Vision insurance usually covers a percentage of the following services:

  • Yearly eye examination
  • Eyeglass lenses
  • Eyeglass frames
  • Contact lenses
  • LASIK and PRK vision correction procedures at a discounted rate

​Your specific vision insurance plan may have a limit, such as annually or every two years on how often it will pay for lenses and frames.

Typically, eye care offices and networks include optometrists and general ophthalmologists. Some networks also may include ophthalmologists who perform refractive surgery, and provide LASIK or other vision correction procedures.

Do I Need Vision Insurance?

If you or members of your family wear corrective lenses and need periodic eye exams and changes in your eye lens prescription, it may be worthwhile to purchase vision insurance. If you do not currently wear or need glasses, you may be able to get a periodic eye exam through your regular health insurance plan.

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