What these plans may cover
Dental plans may categorize preventive, basic and major services differently. Vision plans may include exams and allowances for lenses, frames or contacts. Exact benefits depend on the contract.
What to compare
- Whether your dentist, optometrist or retailer is in network.
- Waiting periods for basic or major dental work.
- Dental annual maximums, deductibles and coinsurance.
- Vision frequency limits and material allowances.
- Exclusions, replacement schedules and orthodontia provisions.
Run the numbers: compare the annual premium plus expected out-of-pocket cost against the services you realistically expect to use.
Compare dental and vision choices.
Tell Shane which providers and services matter most.