While these items may just seem like accessories to your health insurance plan these two low-cost policies can add up to a lot of money in your pocket. Family dental and vision plans work really well and tend to cost very little when subsidized by your employer.
These plans are usually PPO plans which can offer you higher savings if you use the doctors that are in the network. A dental visit using the network doctor may only cost you 10% of the amount or no payment at all versus using an outside doctor may cost you 30% of the visit. If you are diligent about visiting the dentist twice a year and the eye doctor once a year then this can mean significant savings for you and your family.
Many people don’t think that they need this type of coverage but when you have a family, issues with eyes and teeth are not always foreseeable and for the most part these plans are available for just a few dollars additional per week. Even if you only have one person in the family that will use this type of plan regularly it will still help to save you money and of course just the routine checkups and cleanings can be very costly and having insurance coverage can definitely help you to avoid problems in the future.
It is important to realize that most times these plans are separate from your regular health insurance policy and while the coverage may be provided by the same company usually you will have to sign up for each plan individually. Many people don’t realize this and miss out on their opportunity for dental and vision because they don’t realize that they are separate until after the enrollment period has passed.
Assess your needs and review the benefits of having a dental and vision plan. Some employers are willing to pick up the cost for their employees to have this coverage since it’s a nominal cost to them. If that is the case then take the coverage and decide if you want to pay to have your family on the plan. If you consider the cost you and your family incurred last year to provide these services then it can provide a general idea of the savings you would have if you were on either a dental or vision plan. For families on a budget this is a major help.
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