Many folks are surprised to discover Dental and Vision Insurance Plans are carved out of the majority of health insurance plans, including Original Medicare. While a health insurance plan can aid in the cost of a broken arm, issues with your eyesight or oral health are left up to ancillary insurance policies.
Smile! We Can Help with Dental Insurance Plans
Great oral hygiene is an essential part of a healthy lifestyle. Dental Plans cover treatment and procedures related to your oral health. Routine procedures, such as dental cleanings, are fully covered and provide discounted costs for more major procedures.
Dental plans can come in many shapes and sizes with various networks, benefits, and limitations. We here at Blue Moon Benefits Group can help explain the details to make sure you get a dental insurance plan that will work best for you and your family. Even those covered by Medicare can apply!
North Carolina Dental Plans from the top-leading carriers work in a similar way regular medical insurance works. You’re allotted certain benefits – including regular checkups, cleanings, X-rays, and other services required to promote your oral health – for a monthly premium, or rate. We’ll help you find the right plan for your needs. While some plans may provide a broader range of coverage, others can be more flexible and require less out of your pockets. Some plans may even cover certain oral surgeries, dental implants, or orthodontics.
Look Here! We Know the Best Vision Insurance Plans
Like Dental Plans, most Vision Plans provide coverage for people of all ages, and with you can see the following benefits…
- Reduce eye care expenses
- Find coverage for eyeglass lenses and frames, and contacts
- Basic preventive care, such as eye exams and vision tests
- Sometimes, a discount on corrective eye surgery like Lasik
Because eye exams can detect hidden medical problems, even those with perfect vision shouldn’t skip them. People with poor vision, a family history of eye disease, or a condition that increases the risk of eye disease, such as diabetes, should have more frequent exams. In this case, having a Vision Insurance Plan is a very wise plan.
It’s recommended for those between 20 and 55 years old to receive an eye exam roughly every four to five years, while those 55 and above should do so every year or two.
Standalone vs Combined Dental & Vision Insurance
Depending on your lifestyles and specific needs, you may either need both Dental and Vision Plans, or only one of the two. If you’re in the first category and need extra help with your pearly whites and eyes, having a combined plan may be most cost-effective for you.