If you need information about Dental and Vision Health Insurance for Arizona residents, then you’ve come to the right place. As a trusted health insurance broker with three decades of experience in Arizona, Anderson Insurance Services maintains strong relationships with the most trusted names in the industry. We take the time to learn about the unique needs of each of our clients, so we offer you the lowest rates on the region’s best Dental and Vision health insurance plans.
Without a good dental plan, a couple of unexpected root canal procedures could cost as much as your summer vacation. Even with coverage, it’s easy to rack up some major dentist bills when major work is performed. Vision coverage works much the same way. The cost of glasses and contact lenses can add up to hundreds, even thousands of dollars; especially if they are needed by the whole family.
It used to be that all dental and vision plans were created equal, with little noticeable difference between plans. But as healthcare costs have gone up, the scope and variety of Dental & Vision Health Insurance in Arizona has become much more complex.
Let’s take a closer look at the dental vision plans being offered today by Arizona health insurance companies.
Managed Care Dental Plans
Instead of a one-size-fits-all dental plan, many providers are now offering Dental HMOs, or DHMOs. Similar to a regular HMO, these managed care plans require the selection of a primary in-network dentist, and allow patients to get basic treatments for free and pay predetermined co-payments for more advanced procedures.
A PPO (Preferred Provider Organization) also involves a network of dentists, but here the participating dentists discount their fees. Some procedures may be free, while others will be covered based on agreed-upon percentages.
In this type of dental plan, premiums are paid to the insurance company and employees are reimbursed in accordance with a simple formula that usually includes a one-time deductible of about $50 per year. After the deductible is met, routine cleanings and preventive care are free. In the average plan, the insurer pays 80% for fillings and other dental work, and 50% for major procedures.
Vision Insurance Plans
Most of the vision plans we recommend provide access to a network of eye-care providers who either offer reduced prices or affordable co-pays for their services, as well as basic coverage for eyeglasses and contact lenses. Providers are typically general ophthalmologists or optometrists.
The most important distinction between Vision Insurance Plans is whether the plan is a vision benefits package or a vision discount plan.
A vision benefits package that covers services such as eye exams may require you to make a co-payment at the time of service, but the balance will be paid by your insurer.
With a vision discount plan, you pay fully for services but at a lower-than-normal price that the plan's participating eye care practitioners have agreed to charge.
To enroll in Dental Health Insurance call me (480) 607-7049
To enroll in Vision Care Direct, click here.
To learn more about Dental & Vision Health Insurance for Arizona residents, you can contact us directly to speak with one of our experienced brokers over the phone.
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