Dental & Vision Coverage
Dental Insurance: As most people would agree, a healthy mouth is a key to a beautiful smile. Maintaining such a smile and good oral hygiene could be costly without a dental plan. Even when underutilized or consider it not a good deal, having dental insurance coverage could come handy in the event of complicated dental issues.
Individual dental insurance is designed to help you maintain an overall healthy mouth. Whether you’re looking to do just a simple dental check-up, restorative care, or orthodontic treatment, you can get from a basic preventive plan to a full term standalone dental plan. Dental care or treatment depends on the type of dental plan chosen.
Most dental plans have a yearly maximum benefit, not including coinsurance and a deductible to pay before coverage kicks in. Once your coinsurance and deductible are met, your dental insurance pays a percentage of your dental costs up to the maximum benefit. It’s important to contact one of Phanald IT agents for better guidance as to which plan will better fit your dental needs.
Vision Insurance: Just as dental insurance, a vision insurance plan, although not required, could be a helpful coverage. Some people may disregard it, but it makes it easier and more affordable to get eye care.
A vision insurance coverage is only designed to cover routine preventive eye care and prescription like eyeglasses or contact lenses. Anything related to a real health issue or an eye disease (such as cataracts or injuries to the eye), will turn to your medical insurance.
Most vision insurance plans are considered as discount plans or wellness benefit plans because of their specific benefits package and discounts for an annual premium.
As with any insurance product, make sure you know what you’re buying. You should judge your coverage need based on your usage. Phanald IT agents will be happy to help find you the right vision coverage needed.