Dental and vision insurance: when it makes sense to add it to your health plan

Does my health plan include dental and vision?

Not always. Many health plans don't include dental or vision care for adults, or include it in a limited way. Review the summary of benefits to know exactly what is covered.

What dental insurance usually covers

• Cleanings and regular checkups.
• X-rays.
• Fillings and other basic treatments.
• Major procedures, depending on the plan and after waiting periods.

What vision insurance usually covers

• Eye exam.
• A benefit for lenses or frames.
• Discounts or benefits on contact lenses, depending on the plan.

When it can make sense to add it

• If your family wears glasses or goes to the dentist often.
• If you have children who need checkups or treatments.
• If you prefer to plan dental and vision expenses with more predictable costs.
• If your health plan doesn't include these benefits.

Questions before purchasing

• Which dentists and eye doctors are in the network?
• Is there a waiting period for certain treatments?
• What is the annual coverage limit?
• What percentage does each type of service cover?

We help you choose

At Marseguros USA we guide you in Spanish on dental and vision options in Florida and Texas.