DENTAL & VISION PLANS

Having a dental or vision insurance plan is important for maintaining overall health and catching potential problems early. These plans help cover the cost of routine exams, cleanings, and corrective treatments, making preventive care more affordable and accessible. Without coverage, even basic dental or vision services can become expensive, leading many to delay care and risk more serious issues. Insurance helps reduce out-of-pocket costs and encourages regular checkups, which can prevent more costly and painful procedures in the future.

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Even with proper dental or vision insurance, there are still unexpected costs you might face, such as:

• Out-of-network provider fees, if your dentist or eye doctor isn’t in your plan’s network

• Annual maximums – most dental plans cap coverage (e.g., $1,500/year), and anything above that comes out-of-pocket

• Cosmetic procedures, like teeth whitening or elective braces, are usually not covered

• Premium eyewear – designer frames, specialty lenses, or lens coatings may not be fully covered

• Major dental work, like crowns, implants, or root canals, may only be partially covered

• Frequency limitations – you might have to wait longer between cleanings or exams than needed

• Waiting periods for major services, especially in new dental plans

These costs can add up quickly, so it’s important to understand your plan’s limits and exclusions—even with coverage, budgeting for the “gaps” is wise.

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