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The Importance of Dental and Vision Insurance

There are health insurance plans that include vision and/or dental benefits. These can be offered by an employer or purchased on your own.

There are separate, standalone plans for vision or dental benefits that can be used with a health insurance plan as a form of supplemental insurance. Some dental and vision insurance “packages” offer benefits for both.

The fact is that oral and eye health are essential to our overall well being. An eye exam can detect many serious conditions in their early stages, including diabetes, high cholesterol, and hypertension.

Oral exams can be just as revealing: More than 90% of all common diseases have oral symptoms.

Studies show that good oral health can help adults avoid or better manage serious health-related issues:

Diabetes: dental infections can contribute to problems with glycemic control, which compromises the health of diabetic patients

Heart disease: The inflammation associated with periodontal disease has a high potential to contribute to coronary artery disease. Good oral health can lower that risk.

What Vision Insurance Covers

Like health insurance, vision insurance can aid with the cost of examinations, treatments, prescriptions, surgical procedures, and equipment. Some of the things most covered by vision insurance plans include:

Eye exams. This preventive care measure is generally performed once a year and involves a series of tests to gauge the health of your eyes across several different parameters. The things tested for during an eye exam can include the sharpness of your vision, color blindness, how your eyes work together as a unit, a presence of glaucoma, your range of peripheral vision, and more. Eye exams can be instrumental in providing early detection of eye disease, any developing vision problems, or a need for corrective lenses.

Eyewear. Glasses (frames and lenses alike) and contact lenses can be expensive but are often at least partially covered by vision insurance. Some vision insurance plans may limit coverage to eyewear purchased through your optometrist or a network-approved vision center. Sometimes, even prescription sunglasses may be covered.

Lens coatings and enhancements. Some vision insurance plans can help with the cost of a lens coating. Lenses can be coated with substances to decrease scratching, fog and moisture, reflections, and exposure to ultraviolet rays.

Surgery. Surgeries that are deemed medically necessary, such as a procedure to treat an eye injury, infection, or disease, will often be covered by a health insurance plan. But corrective surgery, such as LASIK, is generally not covered by health insurance because it is deemed by many insurance providers to be an elective or “cosmetic” surgery. There are some vision insurance plans and discount programs that will partially cover such elective procedures.

To learn more about Dental and Vision Plan options contact Bethany Montgomery at 936-220-2133 for schedule an appointment. She services Texas, Oklahoma, Louisiana and Illinois.

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