Do I need dental insurance?

Poor dental health has been linked to more than bad teeth. Studies show that people without dental coverage are 67% more likely to have heart disease. Enroll in a dental insurance plan to help keep yourself on a regular cleaning schedule and to catch dental concerns before they develop into bigger problems. Dental insurance will also help pay for unexpected emergency procedures from accidents. Don’t be held back from getting the care you need because you can’t afford it!

Mother enrolling in dental and vision insurance with her child.

What’s covered by dental insurance?

Your dental insurance plan will pay for both basic and major dental services, including routine cleanings, fillings, root canals, and more. Most plans do not cover 100% of certain services you receive, so make sure you understand the details of your plan clearly. Additionally, many dental plans require waiting periods for certain services.

Limitations

  • Benefits are typically capped at $1k-$2k
  • Some plans require you to stay in-network
  • Most plans have waiting periods prior to funding certain claims

Dental Insurance
Frequently Asked Questions.

When can I enroll?

Dental insurance enrollment in North Carolina is available year-round.

Do I have to be underwritten to get coverage?

Most dental insurance plans do not require you to answer health questions.

How do I pay for dental coverage?

You will pay your carrier directly. Most of our customers choose to set up automatic withdrawals for their monthly premiums.

Can my health savings account (“HSA”) be used for dental services?

Yes, typically HSA balances can be used to pay for dental services.

What is a waiting period?

Unlike health insurance plans, dental plans have terms in which you must wait a certain amount of days prior to having certain services covered by the plan. These clauses are meant to protect against people signing up solely for a month to cover services and then canceling their coverage.

Will I have a deductible?

Most plans have relatively nominal deductibles, which are out-of-pocket amounts you are responsible for prior to the plan funding your claims.

Are orthodontics covered?

Sometimes. Check the details of your dental plan or ask your insurance agent for more information.

If necessary, can I cancel?

Yes, you can cancel your coverage at anytime. However, if you choose to obtain coverage in the future, you will most likely be subject to new waiting periods.

Are benefits paid on a calendar or contract year?

Most plans operate on a calendar year. Check the details of your plan or ask your insurance agent for more information.

Is teeth whitening covered?

Sometimes. Check the details of your plan.

Are implants covered?

Sometimes. Check the details of your plan.

How To Enroll:

  1. Browse available plans, select one that fits your needs, and submit an application.
  2. Pay your monthly premiums or set up auto-payments.
  3. Provide your issued insurance card when you receive eye care services.

Tips for Purchasing

  • Before you enroll in vision or dental insurance, confirm with your current health insurance provider whether they include the coverage you need as part of your plan. You may not need to purchase a separate policy.
  • Consider the waiting periods associated with the plan you’re choosing. If you need urgent eye care or dental treatments, you may need to consider a plan without a waiting period.
  • Whenever possible, stay in-network when choosing your health care providers in order to keep costs low.

Need Help Getting Coverage?

Partner with an agent who will make sure you understand your options! Savers Health provides assistance during all the steps involved in applying and enrolling in a vision insurance plan that meets your budget and coverage needs. Whether you purchase through us or not, the cost to you will be the same.

Vision Insurance.

Do I need vision insurance?

If you need glasses or contacts, enrolling in a vision insurance plan can offset the costs of regular exams and equipment. Having a plan will encourage you to stay on top of routine exams and your schedule for upgrading your glasses or contacts.

  • Vision insurance helps to cover expenses related to the health of your eyes:

    – Eye exams
    – Eyeglass Frames
    – Lenses
    – Contacts

  • Even if your eyesight is perfect, it’s important to schedule regular eye exams! Your optometrist can identify early warning signs of certain diseases such as glaucoma.
  • Certain health conditions, such as diabetes, can also affect your eyesight. As you age, you will need to schedule these exams more frequently.
Older couple discussing dental and vision insurance with an agent.
Man receiving an eye exam covered by vision insurance.

Vision Insurance
Frequently Asked Questions.

When can I enroll?

Enrollment is available year-round for vision coverage.

Do I have to be underwritten to get coverage?

The majority of plans do not require you to answer health questions.

How do I pay for vision coverage?

You will pay the carrier directly. Typically, most customers set up automatic withdrawals for premiums that occur each month.

Can my health savings account (“HSA”) be used for vision services?

Yes, typically HSA balances can be used to pay for vision services.

What is a waiting period?

Unlike ACA health plans, vision plans may have terms where you must wait a certain amount of days prior to having certain services covered by the plan. These clauses are meant to prevent people from signing up solely for a month to cover services and then canceling their coverage.

If necessary, can I cancel my coverage?

Most plans will allow you to cancel your coverage at anytime. However, certain plans which waive waiting periods typically require a certain length of commitment (e.g. 12 months).

Are benefits paid on a calendar or contract year?

Most plans operate on a calendar year. Check the details of your plan or ask your insurance agent for more information.

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Quick Facts:

  • Some plans do not have waiting periods although typically require a commitment of twelve months. Other plans have waiting periods for certain services but do not have a policy length commitment.
  • Vision plans have annual maximum benefits amount
  • Most plans are guaranteed issue and do not ask medical questions

Limitations

  • Benefits are typically capped around $1,000
  • Some plans have waiting periods prior to funding certain claims
Laughing man with new glasses.

LET'S GET STARTED.

Get covered today and close the gaps your regular health insurance leaves behind. Please fill out the form below and we will get back to you as soon as possible with a quote.