The best way to protect yourself from unnecessary expenses is to ensure you know what you’re signing up for. Check your company’s plan closely to ensure that these benefits are covered 100 percent. In addition, make sure you understand any waiting periods before you can receive coverage. Waiting periods vary widely, but they are often between 90 and 180 days—Call Family Insurance Associates in Ruidoso, NM for expert help.
What to Know About the Restrictions
Dental and vision insurance plans have strict limitations, including yearly maximums on benefits and a minimum period of coverage. Some plans have a waiting period before coverage begins. Dental plans have a maximum benefit amount for dental procedures.
You might have a vision plan that only covers up to a certain dollar amount of prescription eyewear. Similarly, a dental plan might only cover certain procedures, such as root canals, but not cosmetic dentistry like teeth whitening.
Some dental and vision plans have limitations on how often you can visit the dentist, how much vision care you can receive, or how much you can spend on vision care. Major medical usually has a fixed dollar amount, such as $500 or $1,000.
You may not be covered for certain services, such as orthotics, during the first few months of your policy. Some policies have a maximum value. After receiving that amount, you must continue to pay for the plan’s share of the cost of covered services. Some plans have a maximum number of visits or amount of money you can spend on vision care per year.
If an employee’s spouse has a vision plan through their employer, can the employee add that spouse to their vision plan to avoid paying for the spouse’s vision coverage? What if the spouse’s vision plan is better than the employee’s vision plan?
Does the employer need to keep track of all of these plans? What if an employee has vision coverage through their spouse’s vision plan and the employee’s spouse has a better vision plan? For the correct answers, call Family Insurance Associates in Ruidoso, NM.