Dental, Vision, & Disability
Dental Insurance
Dental insurance helps cover issues related to oral health, including preventive care and annual cleanings. Many employers offer employees dental insurance benefits, but you can also buy individual or family plans if your employer doesn’t offer this type of insurance. Our agents are here to help you determine what’s best for your needs.
What Is Dental Insurance?
Dental insurance is a separate policy from your typical health insurance. Dental insurance provides coverage for routine and preventive oral health care services, fillings, and X-rays. Some plans may even offer coverage for crowns, extractions, and orthodontic services. Every plan is different, so be sure to work with your agent to understand what is and is not covered under your plan.
With dental insurance, you’ll have access to covered care through in-network providers. If you choose to see an out-of-network provider, you may not have any coverage at all through your dental insurance plan. Dental insurance may not fully cover all costs associated with treatment, even if it is in-network, but it can help keep your costs as low as possible.
Who Needs Dental Insurance?
While dental insurance is not required, it’s highly recommended as it covers a wide range of preemptive care. Most dental plans cover preventive care, including annual cleaning visits, x-rays and sealants. If you’re unsure if dental insurance would be beneficial, contact an agent to learn more.
Vision Insurance
Vision insurance helps cover routine health care expenses related to eye care, such as annual exams. Depending on your plan, you may have coverage for some procedures and corrective surgeries. Your coverage will vary depending on your health care needs, so be sure to contact an agent to determine your coverage plan.
What Does Vision Insurance Cover?
A vision plan can help pay for the following:
- Basic preventive care such as eye exams and vision tests
- Eyeglass lenses
- Contact lenses
- Eyeglass frames
Lens protection for glasses, such as scratch-resistant coating
Additional coverage may include options such as:
- Daily disposable contact lens coverage
- Discounts on corrective eye surgery such as Lasik
Coverage will vary. Contact an agent to discuss what your policy entails.
Disability Insurance
Disability insurance can help protect your finances if you suffer from an unexpected injury or illness that prevents you from working. With disability insurance, you may receive a portion of your income even after you can no longer work, whether for a short or long period. Learn more about disability insurance below.
Short and Long-Term Disability Insurance
There are typically two types of disability insurance: short-term and long-term disability.
- Short-term disability coverage can help replace income immediately after a covered person experiences a disability. There is typically a specific amount of time of injury or illness that a short-term disability policy will cover.
- Long-term disability insurance helps provide income if the disability lasts for years. With long-term disability coverage, there may be a more extended grace period between the illness or accident and when you begin receiving payments.
Who Needs Disability Insurance?
Any employee who depends on their income from work to pay bills may benefit from having disability insurance coverage after an accident or illness prevents them from continuing with their job.
How to Get Dental, Vision, or Disability Insurance
You may have several choices for coverage. Contact JD Financial and Insurance Services today to learn more about this essential coverage and get a quote.