Is Dental or Vision Insurance a Good Idea?

May 16, 2017

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Lauren

Lead Copywriter

You already pay a lot for health insurance, so you may be asking yourself if it’s worth the extra cost for dental or vision insurance.

The answer is YES.

We talked to our KindHealth Advisor Sonia about why having dental and vision insurance is a good idea.

Is dental and vision insurance a “good deal”?
Sonia: Dental and vision insurance can be a good deal, especially in the long run. For example, with dental insurance, you would probably break even if you only use the insurance for cleaning, exams and other preventative care. But if you or any of your covered family members need more extensive dental work like a filling or root canal, the insurance will help to defray a large portion of the costs for those services. Most dental insurance plans will typically cover about half of root canals and 80% of services like fillings. As for vision, if you typically get glasses or contacts, then insurance can be a good deal because it will pay for itself and then some.

Why would I want to buy dental or vision insurance? 
Sonia: You would want to buy dental or vision insurance because your health plan typically will not cover these expenses, especially for adults. Many health plans now include preventative pediatric dental and vision benefits, but they leave adults on their own. Even if your health plan includes pediatric dental and vision, it may be subject to a large plan deductible, so a separate dental or vision plan might be a good idea.

Is dental and vision insurance expensive?
Sonia: Dental plans from Cigna, which are the ones we typically recommend as having the best benefits for the money, range from about $17 to $34 per month for an individual and $58 to $100 per month for a family of four. For vision insurance, VSP has plans starting at $14.41 per month for an individual and $37.30 per month for a family.

What does dental and vision insurance typically cover?
Sonia: Dental insurance can cover services such as exams, cleanings, x-rays, fillings, root canals, crowns, bridges and even some orthodontia. Every dental plan is different, so it’s important to read the plan information before you enroll to see where, when and how each service would be covered under a given plan (some services may be subject to waiting periods, modest deductibles, annual maximums or other limitations. Vision insurance usually includes coverage for exams, lenses (for glasses or contacts) and frames. But again, it’s important to look at the plan carefully to see what the exact benefits will be.

BTW- You can purchase a dental or vision plan at any time, so if you’re looking, Sonia, or one of our other terrific KindHealth Advisors, can help! Email us at hello@kindhealth.co or call at 1-888-871-3864.