When most people are thinking about health insurance, most overlook dental and eye care. Regrettably, neglecting your eyes and teeth could affect your overall well-being. As such, you need to take optimal care of these vital organs just like you do with the rest of the body parts.
Speaking of eyes and dental care, have you thought about dental and vision insurance? At Family Insurance Associates in Ruidoso, NM, we have prepared a FAQs section to help you understand these coverages in detail.
What is dental insurance, and what does it cover?
Dental insurance falls into two categories: basic and full coverage. Basic coverage covers preventive dental care, including cleanings, x-rays, and simple dental procedures like cavity fillings. On the other hand, full coverage covers preventive care, and extensive dental treatments like implant restorations, at just a small co-pay amount.
Even if you may have a full dental insurance plan, it doesn’t mean you won’t incur any out-of-pocket expenses. Ordinarily, you may have to incur deductibles, co-pay, and coinsurance. However, these amounts are negligible when compared to the benefits you derive from dental insurance.
How does vision insurance work?
Vision insurance works a bit differently from dental insurance. It covers preventive eye care but also includes treatments like prescription eyeglasses and lenses. Unfortunately, coverage for serious non-elective eye care treatments like correction of an eye injury may be excluded from your vision insurance. Be sure to check what your vision insurance covers before receiving any treatment.
Buy dental and vision insurance today!
Caring for your eyes and dental should be a priority for everyone. If you neglect your eye and dental care, it’s only a matter of time before you start experiencing challenges on your overall health. If you are in Ruidoso, NM, please contact Family Insurance Associates for a dental and vision insurance plan.