Dental and Vision Insurance

Useful Tips on Choosing Dental and Vision Insurance

Dental and Vision Insurance

With the recent pandemic, you may find yourself in the market for a new job and want to know how to choose the right dental and vision insurance. There are many different plans, and some may be better than what your employer offers (if you were not laid off). So here is how to choose dental and vision insurance.

What do You Need in Dental and Vision insurance?

This question is simple. Do you need to get braces for your children, or do they have vision issues? Have you begun to have trouble seeing as you get older? Do you have problems with your teeth from disease or having gone through chemo? All of these questions are important and should be considered before choosing. Obviously, if you have severe vision issues, you should choose it over one with great dental benefits, and vice versa if you have dental problems.

What Can You Afford?

How big is the copay on your plan? Does it cover at least 40% of the cost? Does the annual cost of the insurance you are looking at exceed the cost of having your teeth fixed? Is it more than vision exams and glasses? If you are not going to at least break even on the investment you have made into dental and vision insurance; then it is the wrong insurance for you to select. Do your homework and find out if the insurance costs outweigh the benefits and you will be on your way to making a smart choice.

Chose a Plan with Multiple Dentists, Ophthalmologist and Optometrists in Your Area

Unless you live in a remote location, having to drive 90 miles to see a dentist or vision expert is just not a reasonable prospect. Make sure you plan has locations in your area.

If you have limited choices on dentists and vision experts, then that puts you at a disadvantage. If you are dissatisfied with a dentist who pulled the wrong tooth but is the only one on your plan, you have no other options but to go back or pay for another dentist out of pocket.

Dental and Vision Insurance

Consider Hidden Costs

How much gas will you have to use to drive to your dentist or vision professional? Will you have to take extended time off work for a procedure? Are there things needed for a procedure that is covered, but others are not? What an about the cost of care after the procedure? You may have to purchase over the counter medications and products to care for where a procedure was performed. All of these hidden costs should be considered when deciding if you can afford a plan or not.

The Bottom Line of Dental and Vision insurance.

It is in your best interest and the interest of your family to do the research on your dental and vision insurance. If you are approaching open enrollment at your job, ask your human resources manager about what kind of vision and dental insurance is going to be available if any. After you have researched which coverage is best, you will be doing what is best for your family.

Affordable dental and vision insurance plans that will make you smile.

Grantlyn Health Insurance makes it easy to get a low cost dental & vision plan that fits your individual needs and your budget.

Learn more at Dental and Vision Plans