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Dental Insurance: Something to Smile About?
Dental insurance programs cover a wide range of benefits and services. Some leading plans include:
Vision Plans: A Clear Picture
Vision benefits supplement health insurance policies, offsetting the high costs of regular eye exams, prescription eyewear and the like. Vision insurance can be obtained by individuals (purchasing their own plans); through groups, including an employee's company; or through government programs, such as Medicaid. Often vision insurance is considered a wellness benefit coupled with HMOs, PPOs and indemnity (traditional) health insurance, which is contracted with networks providing eye-care services. Available plans typically include:
Before accessing services, however, participants may have to pay a set deductible. After that, they make fixed co-pays to a network provider each time they use eye care services. On the downside, vision benefits packages usually do not offer unlimited access, with eye-care services available a fixed number of times annually.