When thinking about health insurance, dental and vision coverage can sometimes be overlooked. But regular dental visits and eye exams play an important role in maintaining your overall health.

Because medical insurance doesn’t always include dental and vision benefits, you may want to consider separate coverage. Understanding what’s available can help you decide whether these plans fit your needs and budget.

Why Dental Insurance Matters

Regular dental care does more than keep your smile healthy. Routine exams and cleanings can help identify potential problems early, before they become more serious or costly.

Depending on the plan, dental insurance may help cover:

• Preventive care: Routine cleanings, exams and X-rays.
• Basic services: Fillings and extractions.
• Major services: Crowns, bridges and dentures.
• Orthodontic treatment: Coverage for braces or other treatments may be available with certain plans.

Keep in mind that coverage levels, waiting periods and annual benefit maximums can vary by plan.

Don’t Overlook Vision Coverage

Even if you don’t wear glasses or contact lenses, regular eye exams are important. Eye exams can detect changes in your vision and may reveal signs of certain health conditions.

Individual vision insurance may help with the cost of:

• Routine eye exams.
• Prescription glasses and frames.
• Contact lenses.
• Lens upgrades and additional eyewear.

Vision plans often include allowances or discounts that can help make routine eye care more affordable.

Is Individual Dental and Vision Insurance Right for You?

If you don’t have access to dental or vision benefits through an employer, individual coverage may be a good option.

Before selecting a plan, consider a few important questions:

• How often do you visit the dentist or eye doctor?
• Do you anticipate needing dental work, glasses or contact lenses?
• Are your preferred providers included in the plan’s network?
• How do the premiums compare to your expected out-of-pocket costs?

Taking time to compare your options can help you find coverage that provides value for your situation.

Let Us Help You Explore Your Options

Whether you’re looking for dental insurance, vision insurance or both, Professional Insurance Programs can help you review available plans and understand your coverage options.

Ready to learn more? Visit our Individual Dental and Vision Insurance page or contact our team to explore coverage that fits your needs and budget.