Perhaps your employer only offers the minimum medical insurance required by US law, but you really want dental and vision coverage. Family Insurance Associates wants you to know that you can add that coverage with a personal dental and vision plan from our firm.
Dental and Vision Coverage Choices
You have many choices. Not all dental and vision policies offer the same coverage. You can choose between the two – either adding dental or vision coverage. You don’t have to add both types of insurance.
Don’t worry about keeping your local Ruidoso, NM doctors when you add this type of insurance. Our plans already provide local coverage.
Essential or Comprehensive Coverage
You will need to choose between plans covering essential annual checkups and more comprehensive plans covering advanced treatments. Dental insurance refers to treatments such as braces or invisible straightening options. Vision insurance refers to purchasing glasses, contact lenses, or undergoing laser surgery.
Deciding on a Deductible
Some plans offer no deductible, while others require you to decide on a deductible you find comfortable. A deductible refers to the amount of money you’ll pay for dental and vision services before insurance kicks in and pays.
A higher deductible typically lowers your monthly premium. A lower deductible raises the monthly premium. While it might seem tempting to choose the option that results in a lower premium, consider how often you’ll need services that require a deductible. Do the math to determine which option costs you less.
If you need to purchase glasses and contacts each year, then choosing a higher premium with a lower deductible could save you money in the long run. Similarly, if you know that you want to get braces or teeth whitening or you’ll need filings eventually, choosing a lower deductible with higher premiums makes more sense.
Contact Us Today
In Ruidoso, NM, contact Family Insurance Associates for dental and vision coverage to help you remain healthier. Let us help you build an insurance plan that provides for your dental and vision care.