Dental insurance is similar to a major medical health plan. Typically, you have a deductible you pay out of pocket first, before the insurance company pays. After that, you could have a co-pay or flat dollar amount you pay for covered services. The insurance company pays the remaining balance up to your annual maximum. In some cases, you would pay co-insurance or a percentage of the covered services until the annual maximum is met. Let us help you find a plan that works for you.

Just as it sounds, an annual maximum is the maximum amount the insurance company pays for covered services in a calendar year.  

Yes, most dental plans cover serious dental work usually called “major services,” generally after a waiting period. We can discuss plan details to find one to meet your needs.

Braces and orthodontics are typically not covered. If you are having trouble understanding your plan details, call us and we can help.

Please check UnitedHealthcare’s dental network National Options PPO 30 to see if your dentist is in the network.

Yes, services other than preventative care are covered after a waiting period. Waiting periods vary by plan, and we can help you understand your plan's details.

Vision benefits include routine eye exams, prescription glasses or contact lenses and discounts on other vision-related services.

Yes, depending on the plan you can get contacts or glasses, in some cases both, on an annual or bi-annual basis.

No, although a discount is usually provided by the plan.

Whether it makes sense for you to purchase a policy depends on several factors, such as the policy options you can choose from, the types of vision care products and services you need and how frequently you need them. Unlike skipping health insurance, skipping vision insurance isn't likely to land you in bankruptcy court or put your life in jeopardy, but vision services can help you prevent a multitude of HEALTH issues. Contact us and we can help you decide if Vision Insurance makes sense for you.

Hearing insurance covers examinations and hearing aids.

One in three Americans between the ages of 65 and 74 suffer from hearing loss, and close to half of seniors older than 75 have difficulty hearing, according to the National Institute of Health. In addition, a Consumer Reports’ readership survey showed that 71% who purchased hearing aids delayed doing so for at least two years. The most common reason cited was because of hearing aid costs, which can be over $3,000 according to other reports and studies. Hearing aid insurance will help you defray these costs and get the care that you need. We can help get you the coverage you need.