The insurance industry treats medical, vision, and dental distinctly from each other and not without reason. The insurance needed for routine and emergency dental work isn’t anywhere near what’s needed in case of major cancer treatment, for example. Because these are distinct, they may or may not all be covered by your health insurance policy.

Review Your Health Insurance Policy

Whether your health insurance policy covers vision and dental depends on the protections defined in its documentation. Most policies provide either both additional protections or neither additional protection, although there might be exceptions.

The easiest way to check your policy’s terms is to consult with an insurance agent who knows health insurance. If you live in Burlington, NC, our agents at Don Allred Insurance can help you determine the terms of your particular policy.

Getting Separate Vision and Dental Coverage

If your health insurance doesn’t include vision and dental coverage, each can be purchased separately as a stand-alone policy. Many larger employers offer these as optional (or standard) benefits; you can also purchase them individually if necessary.

When purchasing vision insurance and dental insurance, the two are separate but often have similar structures. A few of the more important details are:

• Network: You’ll usually pay substantially less if you use a provider near Burlington, NC, who’s in the network.
• Out-of-Network Coverage: What can you expect the policy to pay if you use a provider who’s out of network?
• Deductible: How much you pay before the policy begins paying. This can be per-service or annually.
• Limits: The maximum amount the policy will pay. This can be for specific services (e.g. braces), or annually.

Of course, you’ll also want to know the premium and many other specifics.

Check Your Health Insurance Policy

Contact Don Allred Insurance for help determining whether to purchase vision and dental policies. We can review your health insurance policy and assist you with selecting vision and dental policies.

Many aspects of life are often taken for granted, and our health is frequently one of them. We tend not to think about it until we face a health issue. Fortunately, with the right health insurance plan, we don’t need to spend a great deal of time worrying about our health. This is why so many people from the greater Burlington, NC area rely on the professional and friendly team at Don Allred Insurance for their health insurance needs.

Your Health is Paramount

Anyone, regardless of age or lifestyle, can face health issues. Even those dedicated to living healthy and active lives are susceptible to injury, illness, and potential health problems. This is where the value and importance of health insurance come into play. It’s crucial to work with an agent who can help assess and address your needs, issues, and health concerns.

Health Insurance Solutions in Burlington, NC

If you live in or near the beautiful Burlington, NC area, and have questions or would like to learn more about health insurance options for you and your family, we can help. Our knowledgeable and professional team at Don Allred Insurance is here to assist with all your questions and provide the health insurance solutions you need. Contact us to find out more and schedule an appointment because nothing is more important than your health. Get the protection you need at Don Allred Insurance today.