Dental & Health 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.
Having the right health insurance coverage to suit your needs is essential to your overall well-being. Health insurance helps pay medical expenses, including treatment for severe medical conditions and preventive care. This coverage may reduce how much it costs to get necessary health care. Contact our agency to learn more about your health insurance options and to get a quote.
Is Health Insurance Required?
There are no laws that require individuals to carry health insurance. Access to health insurance coverage can help minimize the costs of preventive care and medical treatment. With a health insurance plan, you’ll have access to doctors and hospitals, typically at a lower price than you’d pay if you were uninsured. If you need assistance determining which health insurance options best suit your needs, contact an agent.
What Are My Health Insurance Options?
There are several health insurance plans and additional coverage options to help you access necessary health care services, including:
- Individual and family plans.
- Group health insurance plans.
- Vision and dental insurance.
- Prescription insurance.
- Health savings accounts (HSAs).
- Disability insurance.
- Supplemental insurance.
- Long-term care (LTC) insurance.
- Travel health insurance.
- Medical expense health insurance.
Our agents can help evaluate your situation, recommend coverages that fit your budget and help you choose a health insurance company.
How to Get Dental or Health Insurance
If you’re looking into dental insurance, Charles Brunson Agency is here to help. Contact an agent today for more information or to get started.