What is dental insurance and what does it cover?

Dental insurance is similar to a major medical health plan. Typically, you have a deductible you pay out of pocket first, before the insurance company pays. After that, you could have a co-pay or flat dollar amount you pay for covered services. The insurance company pays the remaining balance up to your annual maximum. In some cases, you would pay co-insurance or percentage of the covered services until the annual maximum is met.  Let us help you find a plan that works for you.


What is an annual maximum?

Just as it sounds, an annual maximum is the maximum amount the insurance company pays for covered services in a calendar year.   


Do dental plans cover serious dental work?

Yes, most dental plans cover serious dental work usually called “major services,” generally after a waiting period. We can discuss plan details to find one to meet your needs.


Are braces/orthodontics covered?

Braces and orthodontics are typically not covered. If you are having trouble understanding your plan details, call us and we can help.


Can I keep my dentist?

Please check United Healthcare’s Dental network “National Options PPO 30”                  Here: to see if your dentist is in the network.


Is there a waiting period for services once I am covered?

Yes, services other than preventative care is covered after a waiting period. Waiting periods vary by plan, and we can help you understand your plans details.



What is vision insurance and what does it cover?

Vision benefits include routine eye exams, prescription glasses or contact lenses and discounts on other vision-related services.


Can I get glasses and contacts with vision insurance?

Yes, depending on the plan you can get contacts or glasses, in some cases both, on an annual or bi-annual basis.


Are corrective vision (ex. Lasik) services covered?

No, although a discount is usually provided by the plan.


I have good vision, why would I need vision insurance?

Whether it makes sense for you to purchase a policy depends on several factors, such as the policy options you can choose from, the types of vision care products and services you need and how frequently you need them. Unlike skipping health insurance, skipping vision insurance isn't likely to land you in bankruptcy court or put your life in jeopardy, but vision services can help you prevent a multitude of HEALTH issues. Contact us and we can help you decide if Vision Insurance makes sense for you.



What does hearing insurance cover?

Hearing insurance covers examinations and hearing aids.


Why would I need hearing insurance?

One in three Americans between the ages of 65 and 74 suffer from hearing loss, and close to half of seniors older than 75 have difficulty hearing, according to the National Institute of Health. In addition, a Consumer Reports’ readership survey showed that 71% who purchased hearing aids delayed doing so for at least two years. The most common reason cited was because of hearing aid costs, which can be over $3,000 according to other reports and studies. Hearing aid insurance will help you defray these costs and get the care that you need. We can help get you the coverage you need.