For just about everyone, dental and vision plans represent essential healthcare coverage for oral and eye health. While basic coverage is provided for children under the Affordable Care Act, they are not fully covered by standard health insurance for adults.

Dental and Vision Plan Benefits

Dental plans help with routine care, such as cleanings, exams, and x-rays, as well as more complex procedures like fillings, crowns, and orthodontics. Vision plans cover eye exams, prescription glasses, and contact lenses, addressing crucial aspects of eye care.

Newhouse Financial Group helps small businesses and individuals navigate their dental and vision plan needs. There can be significant differences in coverage, and most people appreciate having an expert help them sort through the range of options. For example, standard dental insurance typically covers preventive care, like annual cleanings and exams, at no cost, while more extensive treatments may involve deductibles and co-pays. Some plans include orthodontic and major restorative procedures, though coverage limits and out-of-pocket expenses usually apply.

Key Details on Vision Plan Coverage

Vision plans generally cover routine eye care and periodic updates to prescriptions. They often have limitations on the types of eyewear covered, and high-end or specialized lenses may not be included.

Choosing Between Discount Plans and Traditional Insurance

When deciding between discount plans and traditional insurance, it’s important to understand their differences, which go far beyond cost. Discount dental and vision plans offer a network of providers who provide services at reduced rates, in exchange for lower monthly premiums and no deductibles. You pay reduced fees directly to providers, because you are not actually buying insurance; you’re getting a plan that provides a pre-negotiated discount. In contrast, traditional insurance involves monthly premiums, deductibles, and co-pays, and provides coverage for services, including higher-cost procedures, with cost-sharing arrangements, all of which were pre-negotiated and contracted through providers offering such services.

Working with a local independent broker like Newhouse Financial Group can be invaluable in navigating your options. You'll see the difference working with an independent agent makes, and you'll be smiling from ear to ear having assistance from someone who can assess your specific needs and those of your family, including the frequency of visits and treatments. We’ll compare plan networks to ensure access to preferred dentists and optometrists, coverage limits, co-pays, and deductibles, and explain plan flexibility, waiting periods, limitations, and exclusions.

More than 100 million Americans lack dental insurance, according to "Oral Health Update in America: A Report of the Surgeon General." As healthcare costs consume more disposable income, people are more prone to let proper oral care fall by the wayside.

Discount dental plans offer an affordable alternative for individual and family dental care, enabling millions to continue caring for your teeth. People without access to employer-provided dental plans and those wishing to supplement an existing dental insurance plan can gain additional savings ranging from 25-40%

Eyemed Discount Vision plan provides discounts at Target Optical, Sears Optical, Lenscrafters, Pearl Vision, and many more for all your eye care needs. Contact lenses are also available at a discount.