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DENTAL AND VISION INSURANCE

Dental and Vision insurance can be acquired as a rider on your existing Medicare plan or is available as a separate policy.  This is because it is not covered under original Medicare.  If you are looking for Dental and/or Vision Insurance, you have choices.  Please request a consultation to find out about your options.

MUST KNOW

  • Some dental plans have a waiting period for certain services – if you need a procedure done in the near future be sure to check the policy for waiting period(s) when selecting a policy

  • Most plans operate with a network – if the plan you are looking at is a HMO you’ll only be able to receive services from an in-network dental or vision provider – if the plan you’re looking at is a PPO you can receive service from an in-network or an out-of-network dental or vision provider

HMO

  • Offer lowest copays

  • Requires a provider that is in the network

  • Requires a referral from Primary Care Physician to see a specialist

PPO

  • Offer low to moderate copays

  • Can see a provider out of network but will pay less if utilizing an in-network provider

  • Does not require a referral from Primary Care Physician to see a specialist

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