How do I choose the best dental and vision insurance?

The cost associated with a dental and vision insurance plan is often a key factor for consumers. This is especially true when an individual seeks this type of coverage and has limited funds to devote to the task. Here, the goal is to focus on plans that fit well within the budget, compiling a list of possible candidates. Once this list is in place, you can begin the task of evaluating each of those plans.

Comparing the terms and conditions associated with each of the dental and vision insurance plans on your list is essential if you want to find the widest scope of coverage at the best price. Pay close attention to the type of deductible that must be met for routine events like office visits, cleanings, and basic annual checkups. Also look at each of the covered events and see how much the plan pays after deductibles are met. Soon, you’ll have an idea of ​​which plan offers the greatest degree of financial benefits for the price, making it easy to narrow down your range of options to a couple or three insurance providers.

A final component to consider before closing any dental and vision insurance plan is the structure of the filing policy. Some plans will require you to use professionals who accept insurance and submit claims directly to the provider on your behalf. Others will require you to pay for services up front and then personally file the claim for reimbursement, a process that could mean waiting weeks or even months for a claim response and possible settlement. Unless you have the money available to pay up front, focus on dental and vision insurance plans that your dentist and optometrist already accept, as they will often allow you to pay a copay or a small amount up front while you file. The claim on your behalf.

Three reasons to have vision insurance

Every year we should have our eyes checked to find any serious eye-related disease in time. Doctors say these tests help find other conditions like diabetes, high cholesterol, and high blood pressure before symptoms show.

If we are honest, and think about when was the last time we went to an eye doctor, we would have to admit that these visits are not in our priorities. Above all, because getting a routine eye checkup is perceived as a waste of time and money.

However, the grandmother of a childhood friend of mine lost her sight due to glaucoma. According to the doctors, if they had detected her illness in time, they could have kept it at bay with a few simple drops in the eyes.

One of the advantages of having vision insurance is that it includes a review a year, a pair of prescription glasses and great discounts on surgical interventions, if necessary.

The price of vision insurance varies. You can find family plans for around 40 dollars and individual plans around 14 dollars. It all depends on the age of the insured and their health condition.

If someone without insurance went to see an ophthalmology specialist, the visit would not be less than $250. To this figure, the price of the treatment would have to be added. This is another reason to have vision insurance.

Call Univista Insurance and our insurance experts will advise you on the plans that best suit your needs. Do not neglect your eyesight, because as the saying goes, if you open your eyes, and you will save yourself from anger.

Call us today for a full qualification! (305) 227-9304 .

Vision care coverage for individuals

Blue Cross and Blue Shield of Texas (BCBSTX) vision care plans can help you save on the costs of vision services. You’ll get savings that can help you pay for items like:

  • eye exams (with dilation as needed);
  • frames;
  • lenses and lens treatments;
  • contact lenses;
  • plus.

See coverage and prices

See the individual and family vision care coverages available in your area.

Available through Coverage Plus Central 

Eye exams help you stay healthy

Eye exams can help identify common medical problems, such as glaucoma or cataracts.

Routine eye exams can help detect early signs of major medical problems, such as:

BCBSTX Vision Services Coverages

Our individual and family vision coverage levels include discounts and allowances that can help reduce out-of-pocket costs.

Vision Professional Networks

Like health insurance, vision care plans use certain groups of doctors, hospitals, and other health professionals. This is known as provider networks. When you get in-network health care, you can have lower costs.

BCBSTX vision care plans have extensive provider networks. Based on your location, you can get in-network care at:

  • LensCrafters® _
  • Pearl Vision
  • Sears® Optical _
  • Target Optical®

Note: If you get coverage through your job, ask your employer’s Human Resources department if they offer coverage for vision care.

1 Coverage Plus Central offers information on the coverages that are of interest to you. Some Coverage Plus Central products are not Blue Cross and Blue Shield products or services, and are offered and underwritten by an insurer that is not affiliated with Blue Cross and Blue Shield of Texas (BCBSTX). BCBSTX entered into an agreement with Trionfo, an independent authorized third-party administrator and company.

Insurers offering the products listed in Coverage Plus Central are solely responsible for all financial and other obligations of those products. If you have an insurance agent, you can ask them to help you purchase these products. A BCBSTX Insurance Agent/General Insurance Agent may receive a commission or a charge may be payable to a subsidiary for the sale of these products.

Select the “Important Information” link located at the bottom of the BCBSTX home page to find more information about the BCBSTX Website Terms of Use and Privacy Statement.

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