Senior Vision and Dental Insurance can be combined into one plan plan with a single payment. UnitedHealthOne offers this policy to be purchased on its own or the Senior Vision and Dental Insurance can be added to a Health Insurance policy if the senior is under the age of 65 or to a Medicare Plan. The dental insurance has a price range of $17.00-$38.00 per a member, the vision runs about $8.00 per an applicant.
More info on Vision and Dental Insurance for Seniors.
View Vision and Dental Insurance Benefits / Check Rates / Apply Now!
Having vision and dental insurance for seniors is one of the most important financial and health decisions you can make. If you are still working and lucky enough to have benefits offered through your employer, be sure to add both dental insurance and vision insurance to your benefit package if the premium is well priced.
Dental insurance is a must for every family. It is incredibly important for seniors to see the dentist twice a year for preventative treatment, such as cleanings, x-rays, and fillings when necessary. Periodontal infections are more common in seniors. In the United States about 15% of 65-74 year olds have periodontal diseases.
Many dental plans cover office visits one hundred percent, meaning no money comes out of your pocket. When x-rays are taken, be prepared to pay for part of that procedure. However, dental insurance will usually cover a large amount of the cost of x-rays. The same holds true for fillings. With dental insurance, fillings are relatively inexpensive. Statistics have shown that families that have dental insurance have better oral health. So many people have had to spend thousands of dollars out of their own pockets for serious and expensive dental work because they didn’t visit the dentist regularly.
If you or someone in your family needs glasses, contacts, or needs other forms of visual assistance, be sure to add a vision plan to your senior benefits package. Vision insurance typically will cover the office visit for a $10 copay. Glasses, especially bi-focals, are extremely costly. Vision insurance will partially cover that expense at a $25 copay, saving you hundreds of dollars. Contact lenses are not as expensive as glasses, but need to be replaced more often. Many vision insurance plans will cover the cost of contact lenses for the same $25 copay. It depends on the type of lens you need, but often you will pay little money out of your pocket for contact lenses when you have vision insurance.
Neither vision nor dental insurance are very costly, and they both can pay for themselves. If you have a family, it is imperative to have coverage in these areas. Dental insurance is a must! Vision insurance is not necessary for everyone, but if you have a family history of eye problems, or if you have been told that your child may need glasses, it would be a smart move to get vision insurance. Both of these will make your life much easier, and they will save you so much money over the years.
Vision and Dental Insurance Benefits:
-Instant Preventive coverage with NO deductibles.
-No preventative coverage waiting periods.
-Network of 70,000 dentist throughout the U.S.
-Two dental plans to choose from that can be used both in-network and out-of-network.
-Basic services (fillings) six month waiting period - Major benefits (crown, root canal) twelve month waiting period.
-Annual maximum coverage of $1,000 per an active dental subscriber.
Check the Dentist Locator at United Dentists to see if your dentist is in-network. If you dentist is out of network the Premier plan would be the best option. The Premier plan allows you to see any dentist in the United States.
Examples of Network Rates for Dental Value and Dental Premier.
Adult/Child InNetwork Cleaning
-InNetwork - Zero
-InNetwork - Zero
BASIC DENTAL PROCEDURES*
Fillings/Amalgam Single Surface
Anterior Fillings Resin Composite
Posterior Fillings Resin Composite
MAJOR DENTAL PROCEDURES*
Root Canal - Molar
Extraction, Single Tooth
Impacted Tooth Removal
*Major and Basic dental work is subject to a deductible. Six month waiting period for basic work. Twelve month waiting period for major work.
Remember, No waiting period for preventative dental services.
Preventative does include two cleanings plus one oral evaluation per a year, routine x-rays, fluoride treatments, sealants, and space maintainers when required.
Vision Insurance Benefits
Whether your vision is 20/20 or less than perfect, everyone needs to get regular vision care. UnitedHealthcare's vision plan provides access to a national network of optometrists and ophthalmologists in both private practice and retail locations. By adding the optional Vision Benefit to your dental plan you get great rates on vision exams, glasses, frames, and contacts.
Vision benefits include an annual eye exam for a $10 co-pay. Frames are covered for a $25 co-pay every 24 months. There is also a $25 co-pay for lenses and a $25 co-pay for Contacts in lieu of glasses every 12 months. Further details can be found once you check your Vision and Dental Quote Online.
To get more information or apply for UnitedHealthcare Vision and Dental Insurance visit the link below.
Dental and Vision Quote / Apply Online