Dental and Vision Insurance — You Shouldn't Have One Without the Other
OK, so there's no law that says you have to go out and buy dental and vision insurance at the same time, but it's a really smart way to do things.
More and more health plans are excluding them both
Take a close look at your health insurance policy, and you'll likely discover that both dental and vision insurance are not included. Or, if they are, it's only a tiny bit of coverage that doesn't really help you a whole lot. Even on big company-sponsored health plans, dental and vision insurance are starting to go by the wayside.
Since you need both types of coverage, it's smarter to just shop for them together. That way, you can kill two birds with one stone.
You can save money
OK, so we've established that you need both dental and vision insurance. Wouldn't it be nice to save money on both of them, too?
Luckily, that's exactly what you can do by buying them together!
Most insurance companies will give you a deal if you buy vision and dental plan insurance together. Typically, it's called "bundling". Since the insurance company knows it's going to get two premium checks from you every month, it's willing to give you a discount. That way, you can take advantage of a low cost dental plan and also make sure your next eye exam is covered.
You don't have to skimp on either
Buying your dental and vision insurance together doesn't mean that you have to cut corners on both policies. Instead, there are plenty of combo plans out there that give you all of the coverage you need in both areas.
For example, a good bundled plan might include a dental PPO plan. That way, you get all of the benefits and features of a dental PPO plan — it's just thrown in with your vision coverage.
You're more likely to work with a quality insurance company
There are some exceptions, but in most cases, the better insurance companies offer more than one type of coverage. By working with a company that offers both dental and vision insurance, you're more likely to wind up with a quality company. You'll be able to avoid the headaches that come with "fly-by-night" operations!
You'll have one-stop customer service
Have a question about your contact lens payment or your low cost dental deductible? Instead of having to call two different insurance companies (and get put on hold during two different phone calls), you'll only have to pick up the phone once.
Affordable Dental and Vision Insurance — What Do You Get by Grouping Them Together?
You get affordable dental and vision insurance
If you are sick and tired of getting the same ol' dental insurance quotes — and they aren't as low as you'd like them to be — try combining your dental and vision insurance. It can bring some major relief to your wallet!
Dental and vision insurance are two things that aren't covered under many employer insurance plans. So, even if you work for a giant company, you might be in the market for both of them. Luckily, lots of companies have started bundling them together — and offering them at discounted prices.
When you bundle your dental and vision insurance together under the same company, it's like getting a bulk discount. Since the insurance company knows it's going to be getting two separate premiums from you every month, they are more likely to give you a better rate on both of them.
By getting lower rates, you may be able to get a better vision or dental health plan than you originally planned for.
And, in many cases, insurance companies are willing to lock your premiums in place for longer if you buy both policies together. In fact, it is not uncommon to see bundled dental and vision insurance rates guaranteed for 24 months — instead of the traditional 12 months.
Plus, bundling your dental and vision insurance, you can often take advantage of certain extra perks — like orthodontics coverage that's included in your plan.
However, in order to successfully bundle your dental and vision insurance, you will need to find a company that offers quality plans in both areas. After all, even the best dental health plan is not worth as much if it comes with vision insurance that's not up to snuff. It's not good enough to just look for dental insurance quotes or vision insurance quotes that are cheap. In the insurance world, cheap doesn't always equal good!
So, where do you go to find the right opportunities?
The world wide web is chock full of companies that can offer you competitive rates on bundled plans. There are special websites that offer plans from several of the world's biggest companies, so you will have plenty of options to choose from.
And, by shopping online, you can compare several different plans at once — easily. Good websites will offer easy-to-read charts that point out the differences and benefits of each plan. That way, you don't have to worry about calling a bunch of different companies and speaking to a near-endless array of salesmen to get the answers you need!