Dental Benefit - What Is Included?

Understanding what is covered by your dental insurance can be challenging. Coverage differs from policy to policy and from provider to provider. Read the fine print of your policy or agreement to find out what your dental insurance covers. In general, basic dental insurance coverage includes three categories:

1. Preventive and diagnostic dental care: Almost all dental plans and dental insurance policies cover basic dental costs that are meant to prevent dental problems. For the policyholder, that means, most plans cover a large part or all the dental costs associated with basic services such as cleaning, checkups, and other dental procedures meant to prevent tooth and gum disease. This coverage is important because it encourages people to seek regular dental care, which can prevent more complicated and costly problems.
2. Basic dental care and dental procedures: Most dental plans and dental insurance also cover basic dental procedures such as fillings, tooth extractions, fixing chipped teeth, and other such basic procedures. However, basic dental care varies from one provider to another. In general, since providers cover a significant portion of basic dental care, it makes sense to select a dental care insurance provider that covers as many dental care basics and procedures as possible.
3. Major dental care: While not all dental insurance plans cover major dental care, some do cover at least a portion of these costs. Major dental care can include procedures such as dental surgery, orthodontics, denture work, and other large, expensive dental procedures. If you will require major dental care at some point in the future you may wish to look for a provider willing to pay for as large a percentage of this type of care as possible.

Vision Benefit - What Is Included?

Vision care insurance usually covers a percentage of the following basic services:

• Basic Eye Examination
• Eye Refraction
• Eye glasses
• Contact Lenses
• Eyeglass frames

Hearing Benefit - What Is Included? 

Plans usually cover a percentage of the following services after a waiting period:

• Examination
• Hearing Aids 
• Necessary Hearing Aid Repairs

*Your specific dental, vision, hearing plan may have a maximum benefit, deductible, and waiting period.