UNDERSTANDING TYPES OF HEALTH COVERAGE

 

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  • Dental Insurance Coverage

    Dental Insurance refers to a contract in which a consumer pays premium in return for contracted dental services. Consumers may choose a plan which offers discounts on specified dental services performed by providers that are contracted with the organization. Many consumers simply receive dental service benefits as part of a larger healthcare insurance policy.

    Dental Insurance Health Plans and Carriers

    Consumers can chose a plan in which their dental care is managed by a Dental Health Maintenance Organization (DHMO). DHMOs typically charge the lowest premiums and provide the most comprehensive coverage. Fee for service, or Direct Reimbursement, plans provide the most freedom of choice for consumers. With this type of plan a patients may pick any dental practitioner and clinic of their choosing. The plan pays a percentage for the service and the patient pays the remainder of the fee.
  •  Vision Insurance Coverage

    Vision insurance refers to a contract between a consumer and an insurance organization which provides vision care in return for a premium. In exchange for their premium payments, consumers usually receive eye examinations (given by doctors and clinics contracted with the insurance organization) and corrective eyewear. Exactly how much of the fees are covered varies according to the specifics of the plan.

    Even if you have perfect vision, proper preventative eye care is an essential practice towards ensuring the health of your vision in the years to come . The most important step is receiving routine examinations from a qualified eye care professional. Individuals between the ages of 20 to 40 are recommended an exam every 5 years or so, provided no visual changes or injury has occurred. Individuals over the age of 40 should have an exam every 2 years or so.

    Typical Features and Benefits of Vision Coverage
    Plan features and benefits will vary depending on the provider, but features typically discounted include:

    Eye examinations
    Surgical procedures - including Lasik procedures where available.
    Frames
    Lenses
    Contact Lenses
    Non-prescription sunglasses