Dental Insurance
 

Dental insurance is a type of health insurance that helps cover the costs of dental care, including preventative treatments like cleanings and exams, as well as restorative treatments like fillings and crowns. It functions similarly to medical insurance, with individuals paying a premium to have coverage, and then paying a portion of the costs (deductible, co-pay, or coinsurance) for covered services. 

Here's a more detailed breakdown:

How it works:

Premiums:

You pay a monthly premium to maintain your dental insurance. 


Deductible:

Before your insurance starts paying, you usually have to pay a certain amount out-of-pocket (your deductible).
 

Co-pays, Coinsurance, or Copayments:

After you meet your deductible, you may pay a set fee (co-pay), a percentage of the cost (coinsurance), or a combination of both for covered services. 
 

Annual Maximums:

Many dental insurance plans have a limit on how much they will pay for covered services within a year. 

Waiting Periods:

Some plans have waiting periods before certain services (like major restorative work) are fully covered. 

What it covers:

• Preventive Care: Most plans cover 100% of preventive care, such as routine exams, cleanings, and X-rays. 

• Basic Restorative Care: Some plans cover fillings, extractions, and other basic treatments. 

• Major Restorative Care: Some plans may offer coverage for bridges, crowns, dentures, and root canals. 

• Orthodontic Treatment: Coverage may extend to braces and other orthodontic treatments. 

Where to get dental insurance:

• Employer-sponsored plans: Many employers offer dental insurance as part of their employee benefits package. 

• Private insurance brokers like us: You can also find dental insurance through private insurance brokers. For your benefit Broker represents & shops benefits & costs among many companies.

Benefits of dental insurance:

Financial protection:

Dental insurance can help you manage the costs of dental care, which can be expensive.
 

Preventive care:

Encourages regular checkups and cleanings, which can help prevent serious dental problems.
 

Overall health:

Good oral health is linked to overall health, and dental insurance can help you maintain it.
 

Affordability:

Dental insurance can make dental care more affordable, especially for routine and preventive treatments.

Vision Insurance

Vision insurance is a supplemental health insurance that helps cover routine eye care expenses like eye exams, prescription eyeglasses, and contact lenses. It operates by having policyholders pay monthly premiums for coverage.
 
What Vision Insurance Typically Covers:

Routine Eye Exams: Vision insurance plans typically cover the cost of routine eye examinations.

Eyewear: They help pay for eyeglasses, frames, and contact lenses.

Lens Enhancements: Some plans cover lens enhancements like anti-reflective coatings, UV protection, or scratch resistance.
Corrective Surgeries: Certain plans may offer discounts on procedures like LASIK. 

Hearing Insurance

Hearing insurance helps individuals manage the costs associated with hearing health and devices. While traditional health insurance may not always cover hearing exam, supplemental hearing insurance policies through brokers can help cover costs related to routine hearing exams, and more.