Dental and Vision Health Insurance
Posted By Administrator
Most people think about hospitalization and surgery benefits and forget about dental and visual health. Check-ups and treatments for the latter two are usually not covered in basic health insurance, and should either be negotiated with the health insurance provider to be included, or availed of as a separate plan.
A Dental Preferred Provider Organization (PPO) provides dental indemnity plan or Fee-for-service-plan that allows its members to visit a dentist of their choice, pay the fees and reimburse the cost according to the plan’s coverage. On the other hand, a Dental Maintenance Organization (DMO) requires its members to visit only accredited dentists, otherwise the patient will shoulder the cost of dental services.
For the vision, a Vision Maintenance Organization (VMO) or PPO network provides coverage for eye exams, a percentage of the cost of eye glasses and contact lenses, and a part of the cost of laser treatment may also be covered.