Why Do I Need Dental & Vision Insurance? - United Benefits

Even though open season is over you can still enroll in dental and vision insurance. Looking after your teeth and vision are important aspects of general health, but they’re not always covered by standard insurance.

Dental and vision insurance plans provide access to several of benefits not available under your standard medical plan, from treatments and emergency services to check-ups and preventative care.

Dental Insurance for You & Your Family

Dental insurance helps protect the oral health of you and your family. Dental insurance covers regular check-ups and examinations, scheduled treatments, and emergency dental services. Specific plans will have different coverages and benefit amounts. Like with general health insurance products, these benefits are available when you pay a monthly premium.

What is covered by dental insurance?

There are multiple coverage types and options for dental insurance depending on your needs. Depending on the plan in question, this may consist of a range of preventative and emergency services. 

Typical preventative services include regular check-ups, X-rays, other examinations, cleanings, fillings, and dental implants. 

Emergency procedures include all dental problems that require immediate treatment to stop bleeding, reduce severe pain, or save your teeth. Emergency dental care also covers severe infections, some of which can be life-threatening. A United Benefits Specialist will walk you through your coverage options.

Do I need dental insurance?

Dental care and issues affect absolutely everyone throughout their lives. People with dental coverage are more likely to visit the dentist on regularly. Tooth and gum problems are less likely to occur with regular preventative treatment.

Not only does going to the dentist regularly promote good oral health, but it also helps to support your general health as you get older. For example, poor dental health increases the risk of diabetes and cardiovascular disease.

Vision Insurance for You & Your Family

Vision insurance has been specifically designed to protect the eye health of you and your family. Coverage typically includes eye checks, prescription lenses, frames, contact lenses, and many other aspects of eye health. It functions much like general health insurance, with certain benefits available to you when you pay a monthly premium.

What is covered by vision insurance?

Depending on the plan, supplemental vision insurance covers a wide range of medical costs, either partially or in full. For example, most plans will cover the full cost of new contact lenses or eyeglasses, along with discount plans for frames and lenses. Discounts may also be available for corrective laser eye surgery procedures, with full coverage typically limited to surgeries involving eye disease or infection. Typical coverage includes eye examinations, corrective lenses, lens enhancements, and non-cosmetic surgeries.

Do I need vision insurance?

Taking care of your eyes is vital for ongoing wellness, especially as you get older. Not only can vision problems affect anyone, but the health of your vision is also affected by your general health. For example, an eye doctor can detect diabetes, high blood pressure, autoimmune diseases, and many other conditions by performing an eye examination. Having vision insurance makes it easier to get the care you need.

Supplemental vision insurance is recommended for most people. Eye problems can impact anyone at any time, with issues more likely as you age. When vision insurance is used alongside a standard medical insurance plan, it will help you maintain eye health, save money on eye-related products and services, and diagnose general health issues earlier.

Learn more

If you’re looking for dental or vision insurance for you or your family, a United Benefits Specialist can help you explore your options. We have several plans that suit a variety of coverage needs and budgets.

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