Full Coverage Dental Insurance

Dental and vision insurance coverage will give you exactly what it sounds like it will.  While most health insurance plans typically cover you exclusively for medical costs, many policies can be combined with dental and vision insurance coverage as an optional monthly add-on.  While there are some individual vision insurance plans, you’ll generally find them rolled together with dental coverage.  However, it’s more common to find a standalone medical dental plan.

Other plans won’t have these supplements available, in which case you’ll want to look into some standalone dental and vision insurance plans.  We’ve already gone through many of the details of full coverage dental insurance, but here’s a quick primer on vision benefits.

Typically included in dental and vision insurance coverage will be eye exams, as many will give you coverage for at least one annually.  You’ll also often either have a copay or discount on prescription lenses and any other associated costs.  Optional medical procedures like Lasik eye surgery typically won’t be covered through dental and vision plans.

When you’re looking for dental and vision insurance coverage, you’ll want to know what benefits are important and how to go about getting the best coverage.  Let’s take a look at one example of dental and vision insurance coverage, as this will help you give you a very realistic idea as to what these plans entail, what they cost, and whether or not they’re right for your situation.

Humana offers two types of dental plans in Pennsylvania.   The first is the dental PPO insurance plan.  Dental PPO insurance allows the beneficiary the freedom to visit any dentist.   Most in-network services are covered at one-hundred percent.   Additional discounts are available for visiting in-network dentists.   The plan costs include:  a one-time enrollment fee of $35.00, monthly premium fee of $15.99 (for one person), admin fee (waived if you pay yearly)  $1.00, monthly association fee of $0.75, total monthly payment of $17.74.

The benefits include:  a routine evaluation covered at 100%, routine cleaning covered at 100%, x-rays covered at 100%, extractions 50% after deductible, oral surgery 50% after deductible, fillings 50% after deductible.   This is the amount covered by the plan when visiting in-network providers.   With the dental PPO insurance plan, there is no copayment for office visits.   The plan deductibles are $50 for an individual, $100 for a two-person plan, $150 for a family.   Most preventive services are covered fifty percent and you get a discount on most major services.   There is no waiting period for basic services and a six-month waiting period for basic services.   There is a $1,000 annual maximum for services.

There are no exclusions for pre-existing conditions.   With the dental PPO plan, you have the freedom to visit any provider and no primary care dentist is required.   Membership in the People’s Benefit Alliance is required at additional cost in order to be eligible to apply for this plan.   With membership, you will receive discounts on health, travel, consumer and business-related services, such as: fitness programs, vitamin discounts which offers discounts on an extensive selection of vitamins and car rental discounts providing great deals on car rentals.   The dental plans can be added to any medical plan and coverage is available for individuals and families.

Humana also offers the dental discount plan.   This is not an insurance plan but offers savings of twenty-fifty percent on many dental services.   The plan costs include:  a one-time enrollment fee of $35.00, monthly premium fee (one individual) $5.95, and an admin fee (waived if you pay yearly)  $1.00.  The total monthly cost of the plan is $6.95.

Once you enroll in the dental discount plan, you can visit any one of the more than 24,000 pre-screened dentists in the network.   Even though you have the option of paying monthly or yearly, this is a one-year plan.   Plan features include:  twenty-fifty percent discount on many dental services, no exclusions for pre-existing conditions, no waiting periods so you can make an appointment right away and no claim forms.    Without the plan, the total cost of an average routine exam is $211 and total cost with the plan is $151.   The plan provides a savings of $60.

Humana also offers a vision insurance plan.   The costs for the vision insurance plan include:  a one-time enrollment fee of $35.00, monthly premium fee of $14.99, admin fee of $1.00, monthly association fee of $0.75 and a total monthly payment of $16.74.

The vision plan benefits include:  $10 copayment for a vision exam, frames $100 retail allowance, exam frequency of once every twelve months, contact lens allowance $115 retail allowance, single-vision lenses $25 copayment, with a second pair of eyeglasses you get twenty percent off of the retail price, frame frequency is once every twenty-four months and lenses or contact lenses frequency is once every twelve months.

Without vision insurance, the total annual exam cost is $280.   With vision insurance, the total annual exam cost is $55 when you visit an in-network provider.   The Humana One vision focus plan thereby provides a savings of up to $225.