Vision insurance is a wellness plan designed to offset the costs of routine checkups (eye exams), prescription eyeglasses and contact lenses.
Dental insurance is designed to help you offset the cost of your dental care and to help you maintain good overall oral health.
Yes, kids do need dental insurance. The American Dental Association recommends that all children visit the dentist after their first tooth appears or no later than their first birthday to help prevent cavities, which can grow as soon as teeth form. Regular visits to a dentist can be an important part of your child’s lifelong oral health. Tooth decay is the most common childhood disease in children and adolescents. Dental insurance helps make taking care of a child’s oral health more affordable.
To get the most out of your vision insurance, there are a few terms that you should be familiar with. - Deductible: the money you pay toward your vision care before your insurance will pay their portion. - Premium is what you pay monthly to keep your vision insurance plan. - Copay: the pre-determined amount you pay for certain services (like an eye exam). - Exclusions: vision services that your insurance company will not cover. - Coverage: the services that your vision insurance company will cover.
Most vision insurance plans offer coverage benefits, including: Annual eye exams Yearly allowances for either glasses and frames or contact lenses Discounts on laser vision correction Some vision plans cover or offer eyeglass enhancement discounts (anti-glare, progressive bifocals, scratch-resistant coatings, and more).
At VSP, you can plan flexibility to ensure your vision costs fit your budget. With plans starting at as little as $10, it’s easy to find affordable coverage for every situation. Apart from covering comprehensive eye exams, VSP offers a generous frame allowance. Most plans include a fully covered eye exam and $150 to spend on any frame. They also include fully covered basic single-vision, bifocal and trifocal lenses, and standard progressive lenses. VSP has the country's largest independent doctor network, so you’re sure to find a practice close by.
With NCD dental plan, you can choose an annual max of either $1500, $3000, or $5000 per person. You will have no deductible for preventable services and $50 annual deductible for basic and major services.NCD is a PPO plan that utilizes the MaximumCare PPO networks, including Careington, Connection Dental, and DenteMax. This means that you will get access to personalized care from doctors in one of the nation's largest networks.
Vision insurance plan costs typically range from $10-$30 per month for a single person.
A dental deductible is a set dollar amount you must pay before your dental plan starts to help pay. You will pay your dentist for any non-preventive dental care until you meet this plan deductible. Preventive dental care is covered 100% by most dental plans, so the deductible doesn’t apply to these plans. Dental copays are fees you may have to pay when you visit a dentist. Usually you pay the copay at the time of the visit. It may count toward meeting your deductible. Coinsurance is the term used to describe how you and your dental plan share costs once you meet your deductible. In your dental plan details, coinsurance is often shown as a percentage of what you will pay versus what your plan will pay. For example, a coinsurance of 80%/20% means the plan pays 80% of the costs, and you pay 20%.
For individuals, dental insurance costs typically range between $16 and $70 per month. Costs vary depending on your provider and the level of coverage outlined by each plan.
Dental insurance generally covers a portion of the cost of a range of dental services from routine preventive care to dental surgery, including oral exams, cleanings, x-rays, fillings, extractions, oral surgery, root canals, crowns, and implants. Depending on the plan, it might cover orthodontics, periodontics, and prosthodontics, such as dentures.