Dental and Vision Insurance
How Does Dental Insurance Work?
Dental insurance plans in Texas are intended to reduce the cost of dental treatment. Insurance companies typically negotiate lower fees with in-network dentists, and also pay a percentage of the reduced fee. You pay the rest out of pocket. Here’s how the savings works.
Preventive: Dental insurance plans typically cover 100% of the cost of preventive care, which includes annual checkups, x-rays, and routine cleanings.
Basic: Most insurance plans cover between 50- 80% of the cost of "basic," uncomplicated services, such as fillings, simple extractions, and some types of deep cleanings. There can be a waiting period on basic care from 6 to 12 months depending on the plan
Major: Dental insurance typically covers 50% of treatments such as root canals, crowns, bridges and dentures. There is typically a waiting period of 6 to 12 months for major dental insurance. Some plans even have additional limitations or exclusions on major dental treatment, and what they will or will not cover such as implants, cosmetic work or orthodontic care.
We all know health insurance is something you need, but what about vision insurance? You can purchase vision insurance as an individual policy from an insurance company or through your employer’s group benefits plan (if available). But how does the cost compare to the coverage you'll receive?
The savings generated by your vision plan will depend on how many products and services you purchase in a year. For example, according to the national average cost for the following products and services are as follows: $206 for an eye exam, $114 for a single lens, and $242 for frames, amounting to $562.
Vision Insurance Plan Limitations
Here are some additional factors to consider when deciding whether to purchase vison health insurance in Texas:
- The plan might cover lenses for glasses, but only basic lenses. If you want lightweight or anti-glare lenses, you will have to pay the extra cost.
- The plan might cover frames but only up to a certain amount, so if you want a pair of $300 frames, only part of your cost will be covered.
- Some plans will only cover glasses or contacts—but not both—during the same . If you wanted to update both your contacts and glasses, you would have to get contacts one year, then get another eye exam and choose the glasses benefit 12 or 24 months later.
At Texas Health Now, PLLC, we are here to help you evaluate your dental and vision requirements to select the best plan available in Texas for your family.
Call today for a free consultation and quote..