Tag: dental and vision insurance

Dental and Vision Insurance Plans

If you are shopping for dental and vision insurance plans you came to the right place. We offer both stand alone dental and stand alone vision plans. It is important to know that bundling policies is usually more cost effective. The market has a few excellent dental and vision insurance options. Bundling policies can save you up to $50 per a year.

Hot Tip: Most bundles only issue one bill and one card for the dental and vision insurance policy. This give you less to worry about, because you only have one member ID card to keep track of.

See Dental and Vision Insurance Plan Options

    First Name (required)

    Last Name (required)

    Gender (required)

    MF

    Date of Birth (required)

    State

    Zip (required)

    Insurance Type (check all that apply)

    HealthLifeShort TermGroupDental/VisionMedicare

    Email (required)

    Phone (required)

    Once you submit for your zip code and date of birth you will see your dental and vision Insurance quotes, you will learn about many packages that are available to you. Here are some frequently asked questions that almost all shoppers have.

    The health of our mouth and eyes are no less important than the rest of our body. Yet, Dental and vision insurance plans are often excluded from traditional health insurance coverage. 

    While a health insurance plan can aid in the cost of a broken arm or a skin infection, a chipped tooth or fading eyesight is left up to dental and vision insurance. 

    Can I use my Dental Insurance and Vision Insurance Plan Right Away?

    The answer is YES. Your preventive dental coverage is available to use instantly. This means on your policy effective date you are allowed see the dentist, get cleanings, x-rays, and exams. If you are in need of dental insurance with no waiting periods on fillings or major dental work, we can also have recommendations for this type of coverage.

    Right now in the US an average cost of cleanings, x-rays, and exams is around $250-$400 depending where you reside. With dental insurance you can simply pay your first months premium and have this coverage instantly.

    Basic and Major dental work coverage may have some waiting periods associated with the treatments. These waiting periods depend on the policy design. Almost all companies offer immediate access to the insurance company rate on all procedures. Learn more about this on our overview to dental insurance page.

    Can I really use my Vision Insurance Plan Instantly?

    Yes, your vision insurance can be used right when your policy become effective. If in the past you ever paid full retail price for eye exams, contacts, or glasses, then you are in for a pleasant surprise. Your next visit may cost you as low as $10 in co-pays. It is not uncommon for people to call our office and tell us they spent $500 on new glasses. Once you have vision insurance, you can put those days behind you. The dental and vision insurance combo is one of the longest lasting policies in the insurance industry, with average utilization you’ll get your money’s worth.

    What is the Best Dental and Vision Insurance Plan?

    Dental and Vision Plans

    Right now it depends on where you live and the number of members applying. The beauty of QuoteFinder.Org is that we work with all the companies. We are 100% designed to meet your needs. As an independent insurance agency, we earn very little money selling dental and vision insurance policies but see the need in the marketplace. If you’ve arrived at our site, that means you probably have already dug through a dozen other sites trying to sell you discount plans or other dental products from companies you never heard of before. You may have felt a bit leery about those products and that is the correct feeling to have.

    Today the internet has ten bad products for every good product being offered. With our guidance and friendly staff we can answer your questions and get you pointed in the correct direction. Of the people we talk to, 1 in 2 enroll in a plan with us. We have good chance of meeting your dental needs.

    Here are the reasons why dental and vision insurance may not be right for you.

    • Plans cost between $20 – $50 and some people just can’t fit this into their budget.
    • Many people want braces covered and dental insurance is NOT designed to offer much benefit for braces. We prefer NOT work with these consumers as we know they will expect more and receive less.
    • Some consumers have completely ignored their dental health, and even with a top of the line dental insurance policy, they would still have to pay thousands to fix the problems.
    • Some shoppers, are simply shoppers. The idea of dedicating an increment of time to choosing a quality product and moving forward with the purchase is just not the way they lead their life.

    Average Costs of Dental And Vision Services when paying Cash

    Listed below are some average shelf prices for common dental and vision services.

    • Exams including x-rays and cleaning: $267
    • Fillings single, silver-amalgam filling:  $80 to $150
    • Fillings, white/composite: $150 – $300
    • Tooth extractions non-surgical: $175 to $350
    • Crowns: $1480
    • Root canals: $1260

    Vision Costs

    • Eye Exam for Contacts and Glasses: $100
    • Eye Exam for Glasses $50
    • Eye Exam for Contacts $60
    • Glasses – Frames: $200
    • Glasses – Lenses: $100
    • Glasses – Progressive $200
    • Contact Lenses: $200-$500 per year

    Here are the reasons why dental insurance and Vision Insurance IS a good fit for you.

    • You value your dental hygiene
    • You understand the importance of a good smile
    • Traditionally, you get two cleanings every year
    • You’ve always had dental and vision insurance and understand it’s value
    • You understand that dental insurance keeps you on track with having two annual visits
    • You fully know that sooner or later you WILL need your dental insurance for fillings, crowns, root canals, etc and you want to be ready for when those bills come.

    Learn more about dental hygiene in the US. Or Get A Quote On Dental and Vision Insurance.

    Mutual of Omaha Dental and Vision Insurance

    Mutual of Omaha Dental InsuranceAfter providing Medicare Supplement coverage to over 1 million Americans, Mutual of Omaha will soon be offering dental and vision insurance. Most people are very familiar with Mutual of Omaha from their diverse portfolio of life insurance, long term care, and of course medicare supplement products.

    For 2020 enrollment Mutual of Omaha will offer two competitively priced dental insurance plans. This will be a nice option for individuals and families along with Medicare recipients. The goal is one stop shopping for medicare supplement, dental, and vision.

    Keep reading to learn more about these two exciting products.

    Mutual Dental Preferred Insurance Policy

    The highest level of coverage offered is the Mutual Dental Preferred Policy. This insurance policy pays as follows:

    • Deductible: $0 per year for preventive services / $50 per year for basic and major services
    • Preventive services: Two Cleanings per year / Bite-wing X-rays – 100% Covered, Insured Pays Nothing
    • Basic Services: Fillings, Extractions, Emergency Treatment, 80% Insured Pays 20%
    • Major Services: After a 12-month waiting period, Crowns, Dentures, Bridges, Root Canals, Periodontics, Full-mouth X-ray, Oral Surgery / 50% Insured pays 50% (Dental Implants, see below)

    Calendar Year Benefit: $1,500. This is the maximum amount the policy pays each calendar year for all covered services.

    Dental Implants. Lifetime Maximum Benefit for implants is $3,000 This is the maximum amount the policy pays for dental implants.

    Read the Dental Insurance Overview.

    Mutual Dental Protection Insurance Policy

    The lesser level of coverage offered is the Mutual Dental Protection Policy. This insurance policy pays as follows:

    • Deductible: $100 per year for all services
    • Preventive services: Two Cleanings per year / Bite-wing X-rays – 100% Covered, Insured Pays Nothing
    • Basic Services: Fillings, Extractions, Emergency Treatment, 50% Insured Pays 50%
    • Major Services: After a 12-month waiting period, Crowns, Dentures, Bridges, Root Canals, Periodontics, Full-mouth X-ray, Oral Surgery / 50% Insured pays 50% (Dental Implants, see below)

    Calendar Year Benefit: $1,000. This is the maximum amount the policy pays each calendar year for all covered services.

    Dental Implants. Lifetime Maximum Benefit for implants is $2,000 This is the maximum amount the policy pays for dental implants.

    Get a Dental and Vision Insurance Quote.

    Mutual Vision Benefit

    The Mutual Vision Benefit can be included in either dental policy. It is an additional rider that will have an additional premium.

    • Provides a reimbursement benefit
    • Pays up to $50 every calendar year for one eye exam (no waiting period)
    • Pays up to $150 every two calendar years for eyeglasses or contact lenses (after a six-month waiting period)

    Medicare and Dental Insurance Coverage

    Mutual Dental insurance policies are designed to help pay for the dental services American’s need and to give members the confidence of knowing what their out-of-pocket costs will be. Medicare doesn’t cover dental services. That means costs for things like routine cleanings, fillings, root canals, bridges and dentures come out of pocket. With Medicare recipients living longer, it is very important to have proper dental hygiene and to keep on top of preventative dental care.

    See the Mutual of Omaha Dental Insurance brochure.

    Learn more about Mutual Of Omaha.

    Compare similar Dental, Vision, and Hearing plan options with Central United Life or Aetna Dental Vision Hearing.

      First Name (required)

      Last Name (required)

      Gender (required)

      MF

      Date of Birth (required)

       

       

       

      State

      Zip (required)

      Insurance Type (check all that apply)

      Dental/VisionMedicare

      Email (required)

      Phone (required)

      Dental and Vision Insurance by Central United Life Insurance Company

      Central United Life Insurance CompanyDental insurance is something that can help reduce overall dental expenses. Dental procedures can be quite costly. Therefore, dental insurance through Central United Life Insurance Company can help pay for general dental visits as well as necessary dental procedures. Central United Life Insurance company (CUL) is part of the Manhattan Life Group which has been doing business since 1850.

      This is a private policy for individual or families.

      KEY POINT: Central United Life Insurance allows YOU to choose your own dentist. There are no dental networks that assign a particular dentist to the policy holder. In addition, the dental insurance plans offer special family rates which are great savings when it comes to children.

      Get a Quote on this Product.

      As an added bonus, ALL the policies include Vision and Hearing coverage as well.

      Central United Life Dental Insurance Benefits at a Glance

      Each year CUL offers policy holders a benefit amount of $1,000 or $1,500. The person gets to choose their own plan benefit amount. The available limits can be used for dental, vision, or hearing benefits. This coverage is very nice because some clients who prefer expensive eye-wear and vision services are covered up to the policy limit through this plan. Some clients buy this policy only to use on dental, while other buy it only for vision, and some buy it mostly for hearing coverage. However, the choice is yours. You can use your policy benefits however you best feel fit.

      Preventative Dental Services

      There is absolutely no waiting period for preventative dental services. Therefore, services that are completely covered include the following:

      Dental Insurance Coverage

      • Patient X-rays
      • Dental Cleanings – 2 per a year
      • Exams – 2 per a year

      Preventative Dental Coverage Levels

      • Year One, Up to 60%
      • Year Two, Up to 70%
      • Year Three, Up to 80%

      Basic Dental Services

      Members are happy to know that their is no waiting periods on basic dental services. This is excellent news for people who may need some basic work completed sooner than later. Basic dental services include:

      • Fillings
      • Simple Extractions
      • Additional x-rays

      Basic Dental Coverage Levels

      • Year One, Up to 60%
      • Year Two, Up to 70%
      • Year Three, Up to 80%

      Example, you have tooth pain and you need 2 fillings replace right away. The dentist charges you $400 for the filling. The CUL plan will cover 60%. So right away your plan pays $240 toward your fillings.

      To check rates and learn more, get an online quote and compare plan options.

      Major Dental Services

      Major dental services can get very expensive. For this reason it is common for many policies to have a waiting period of up to 12 months for major dental procedures. Major dental procedures that require a waiting period according to the policy include:

      • Crowns
      • Root Canals
      • Bridges
      • Dentures / Full Mouth and Partial

      Major Dental Coverage Levels

      • Year One, Not Covered
      • Year Two, Up to 70%
      • Year Three, Up to 80%

      Example, Year three your dentist charges a costly $1200 for a crown. Your dental insurance would cover 80%. That means $960 would be paid by the insurance company.

      Hot Tip, If you are in need of dental implants visit. GPM Dental Insurance.

      Central United Life Vision Insurance Coverage

      Vision services are available after you have owned your policy for six months. For example, there is a six month waiting period for an eye exam, glasses, or contact lenses. You can choose your very own Optometrist. There is no network of eye specialists that you are required to choose from.

      Vision Insurance CoverageThis plan allow full policy limit on vision services. Members who utilize expensive doctors or members who prefer expensive frames or lenses truly love this plan. It is one of the few plans that allows up to $1,500 in vision coverage.

      Once benefits take effect the company will pay the following according to plan guidelines:

      • Up to 60% of all charges related to vision benefits for usage from after 6 months to 1 year
      • Up to 70% second year
      • Up to 80% after second year of coverage

      For example a $500 frame would be covered at 80% after the second year. So the policy would cover $400 of the $500 charge.

      Learn more, through the Central United Life Dental, Vision, and Hearing Brochure

      Hearing Coverage through Central United Life Insurance Company

      Hearing coverage is another added benefit to this plan. While many people do not have any concerns with hearing, this benefit can be very valuable to other members. A 12 month waiting period is required for anyone in need of new hearing aids or in need of repairs.

      Keep in mind a 12 month waiting period does apply to anyone who may need hearing aid repairs or adjustments.

      Hearing CoverageHearing Benefit Levels

      • Year One, Not Covered
      • Year Two, Up to 70%
      • Year Three, Up to 80%

      Other Information Regarding Central United Life Insurance Company

      The issuer of this dental, vision, hearing policy makes sure all benefits and claims are paid quickly. In addition, other plan benefits include:

      • Coverage for Ages 18-85
      • Immediate & Guaranteed Coverage
      • Cancel Anytime

      All coverage, as well as claims information can be easily managed online. Also, new and replacement cards can be printed directly from the company web site. If any changes or adjustments are made to existing coverage benefits, the changes will be updated within 24 hours. Information such as this can also be accessed on line.

      Affordable & Valuable Coverage:

      It is extremely important to have dental, hearing and eye coverage especially if an emergency situation arises. It is important to keep in mind that Medicare Plans do not cover dental, vision or hearing expenses. Therefore, it is critical that you have affordable coverage to help pay for expenses related to dental, vision as well as hearing expenses.

      All charges for monthly premiums are broken down according to age. All rates are based on the $1,000-$1,500 policy maximum. Coverage can be obtained for as little as $25 per month. If for some reason you are not satisfied with your new coverage, the company will cancel the coverage and refund your money within first 30 days.

      Coverage of this nature is critically important for the health and well being of you and your family. Therefore, if you are in need of dental, hearing and vision coverage this is an opportunity to take advantage of this very valuable and very necessary coverage. Your health and the health of your loved ones is a valuable asset.

      Get an online quote and compare plan options.