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Best Dental Insurance with Vision

It’s a good idea to take care of your teeth at any age, and especially as you get older. Oral health is important not only for your teeth and gums, but for the rest of your body too. Your oral health can have an impact on your overall health. A thorough dental checkup can also warn you of possible health problems as there are signs and symptoms that a dentist is trained to look for.

If you don’t have dental insurance it’s all too easy to go for too long without a checkup. That means underlying problems go unmissed, and you might end up with more pain and a higher cost in the long run.

Dental insurance means you’re always covered so you can take advantage of routine checkups and cleanings, while also knowing help is there if you have a dental emergency. Your teeth and gums have a better chance of staying healthy for longer.

What Does Dental Insurance Cover?

Dental plans vary between providers. In general, though, you can expect dental insurance to cover routine checkups, cleaning, and minor procedures such as fillings, x rays, and sealants. Most plans also cover you for emergencies such as if you have an accident that damages your teeth, or if you suffer from a cracked or broken tooth.

Please be aware that depending on your plan, you might not be covered for 100% of a procedure. Many plans will cover up to 100% for small procedures such as cleaning, but might only cover 50% – 80% of the cost for larger procedures, such as extractions.

When deciding on your dental plan, make sure you understand how much of the fee is covered, so you can budget for the rest of the fee if needed.

What About Dental Plans With Vision?

Taking care of your vision is another concern for seniors. When you choose a dental plan that also has vision covered, it makes life much easier. Instead of keeping up with two insurers, you only need to keep pace with one.

Just as with dental coverage, the vision part of your plan will vary depending on your provider. In general, you can expect help with eye tests and the cost of glasses or contact lenses. Some providers also help with the cost of more advanced eye screening procedures, or even surgery.

How Does Dental Insurance Work?

Dental insurance plans vary as to how and when you can get dental (and visual) care. Most plans work by way of a network of pre-approved dentists and optometrists who have agreed to offer lower prices to patients with your insurance.

In most cases, there is a deductible – a dollar amount that you have to pay out of pocket before your insurance kicks in.

Before signing up for any plan it’s a good idea to check out which dentists are covered. You want to know there are local providers in easy reach of your home, and that you’re happy to see.

If you already have a dentist or optometrist that you want to stick with, it’s a good idea to talk with them first. Call their office and ask which insurance providers they accept. Check out those plans, to see if one is a good fit that will let you stay with your existing dentist.

Some insurers will pay a contribution even if you use an out of network dentist but do check before going ahead and using one or you might get an unexpectedly high bill.

Questions To Ask About Your Dental Plan

Before you sign on the dotted line, we recommend asking:

  • Which procedures are covered by the plan?
  • What percentage of each treatment is covered and how much extra will I have to pay for those that aren’t fully covered?
  • What is the deductible amount?
  • Are the dental and vision deductibles linked? If they are, you may have to pay a higher amount before you’re allowed to start claiming?
  • Is there a spending cap? Most plans have a yearly cap on how much they’ll payout, and once you reach it you need to start paying out of pocket again.
  • What is the charge for office visits?
  • How much freedom do you have when it comes to choosing your dentist?
  • What restrictions are there on treatment options? In particular, ask about whether the plan limits you to choose the cheapest treatment option or whether you have more flexibility?

Whichever plan you choose, be sure to read the fine print before signing up.

Dental Insurance with Vision Benefits

Here are three dental insurance providers, that also offer vision. Most providers don’t state plan costs upfront as the plans are individualized, but all carriers welcome prospective customers to call for a quote.

Aetna

Aetna got its beginnings in the 1800s, and today offers dental insurance to over 12 million people.

Do they offer out of network coverage? Yes, some plans entitle you to a certain level of benefits if you use an out of network dentist.
How do I find a dentist? You can use their online portal to find the best dentist for you, and you can narrow your search by geographical area, and by specialty.
How do I claim? You save by paying a reduced rate at the point of service. However if you also need to submit a claim you can do that online or by phone, or your dentist can claim on your behalf.
Is there a deductible? In some cases yes – your exact plan will have the details.
Are there any copays? In some cases yes – your exact plan will have the details.
Are there any restrictions? Some plans have age restrictions. Most plans don’t cover crowns or dentures if you lost the teeth before taking out coverage.
Anything else? Aetna will sometimes cover the continuing cost of a treatment that you started before taking out insurance with them.

Cigna

Cigna was formed in 1982 when Connecticut General Life Insurance merged with INA Corporation. They now offer insurance services to customers around the world.

How do I find a dentist? Go online to search a nationwide network of over 89,000 dentists.
Is there a deductible? In some cases yes – your exact plan will have the details.
Are there any copays? In some cases yes – your exact plan will have the details.
Anything else? Patients can go online and compare dentist scores for patient experience, affordability and professional history, to help them in choosing the best dentist for their needs. Cigna offers $0 deductibles on routine care such as x-rays and teeth cleaning. Quotes start at around $19 for preventative care, making Cigna a fairly budget-friendly option.

Delta Dental

Delta Dental’s history goes back to 1954, and they currently serve millions of customers nationwide as one of the biggest dental insurance providers out there.

Do they offer out of network coverage? Yes, but your costs might be significantly higher than if you use one of the ones in their network.
How do I find a dentist? Use their online portal to find dentists near you – they work with half a million providers nationwide.
How do I claim? You save money at the point of service which means there’s no complex claims process.
Is there a deductible? In some cases yes – your exact plan will have the details.
Are there any copays? In some cases yes – your exact plan will have the details.
Anything else? Delta offers a wide range of different plans to suit your needs and budget – if you’re not sure which is the best fit it’s a good idea to get in touch with them for a chat.

Dental and vision coverage are vital parts of staying healthy as we age. Taking good care of your teeth now can save pain and stress down the line. Most providers offer a range of plans to suit different circumstances and budgets.