Dental & Vision Insurance

dental insurance

Dental insurance is a type of health insurance designed to pay a portion of the costs associated with dental care.
There are several different types of individual, family, or group dental insurance plans grouped into three primary categories:

True Dental Insurance

An indemnity dental insurance plan is a type of insurance that allows you to choose any dentist you want to see. It typically pays a percentage of the costs for covered dental procedures, such as preventive care, fillings, and extractions.

Preferred Provider Network

A Preferred Provider Network dental insurance plan is a type of insurance that offers a network of dentists who have agreed to provide services at discounted rates to plan members. This allows individuals to receive dental care from a list of pre-approved dentists, ensuring quality care while keeping costs more affordable.

Dental Health Managed Organizations

With a DMHO plan, you are assigned to an in-network dentist or in-network dental office and must stay within that network to receive your dental benefits.

Vision Insurance

Vision insurance is a form of insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists. There are many vision insurance companies. The typical vision insurance plan provides yearly coverage for eye examinations and partial or full coverage eyeglasses, sunglasses, and contact lenses, with or without copays, depending on the plan chosen.

Need to compare options?

Contact me for a comprehensive Dental & Vision insurance plan or to compare your options from all of my partners!

Medicare
supplement plans

A Medicare Supplement Insurance Plan is used with original Medicare. Any caregiver that accepts Medicare will take a Medicare Supplement Insurance Plan because they only need to bill Medicare. Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%). It is important to note that Medicare Supplement Insurance Plans do NOT include Prescription Drug Coverage (Part D, PDP) and for those that do not get a PDP when first eligible there will be a penalty when they do get a PDP. (there are exceptions to this) A Medicare Supplement Insurance Plan does not change year to year (although the cost does generally go up the coverage does not change).

Medicare
advantage plans

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D).

Medicare Part D
Prescription Drug Plans

Medicare Prescription Drug Plan (Part D). These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
Each Medicare Prescription Drug Plan has its own list of covered drugs (called a formulary). Many Medicare drug plans place drugs into different "tiers" on their formularies. Drugs in each tier have a different cost.
A drug in a lower tier will generally cost you less than a drug in a higher tier. In some cases, if your drug is on a higher tier and your prescriber thinks you need that drug instead of a similar drug on a lower tier, you or your prescriber can ask your plan for an exception to get a lower copayment.