Dental, vision, and hearing coverage is notoriously absent from most health insurance policies and must be purchased separately. This coverage operates similarly to standard health insurance, except the coverage only applies to these specialty services.
Covered dental services include:
Covered vision services include:
Covered hearing services include:
Dental, vision, and hearing coverage typically increases for the first three years. For example, your insurer may pay 60% of the costs for covered services for the first year you hold your policy, 70% of the costs for services received in the second year, and 80% of the costs from the third year and beyond.
Some policies impose waiting periods for certain procedures, where the policyholder must wait and pay premiums for a certain amount of time after enrolling in a policy before they can get coverage benefits from that policy. For instance, a dental, vision, and hearing plan may not have waiting periods for basic exams but may require a waiting period of 12 months before an individual can get hearing aids or glasses.
A dental, vision, and hearing policy may limit coverage to a network. In this context, a network would consist of medical specialists in a contract with the insurance plan. With this contract, dental, vision, and hearing specialists agree to be part of a network in order to have access to more patients.
The costs involved include copayments, deductibles, premiums, and coinsurance.
Copayments are costs paid each time an individual gets dental, vision, or hearing services. Deductibles are the amount the policyholder pays out-of-pocket before coverage kicks in. Premiums are the monthly cost of keeping the policy. Coinsurance is the amount an individual pays after insurance has covered its share of the costs.
This type of policy is offered through private insurers. If you are in a Medicare plan, you can receive dental, vision, and hearing coverage by switching to a Medicare Advantage plan (Medicare Part C), which also combines Medicare’s Part A inpatient and Part B outpatient coverage into one policy.
At The Health Insurance Value, we strive to help you get all of your needs covered. Your dental, vision, and hearing needs are critical, and you shouldn’t risk going uninsured. We’ll help you find the best plan for you so that you can get the care you need at the price you can afford.
Complete the form below to see if you qualify for Discounted Rates!
By clicking ‘See if you qualify for Discounted Rates’, I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.
