Dental & Vision Insurance

Complete Your Health Coverage for a Healthier You

Your overall health is intrinsically linked to your oral and visual health. Routine dental exams can detect signs of serious health conditions, while regular eye exams can identify issues from glaucoma to diabetes. However, standard health insurance plans typically do not cover routine dental or vision care. That’s why having separate Dental and Vision Insurance is so important. At Nancy Cline Insurance, we can help you find affordable plans that encourage preventive care, protect you from high out-of-pocket costs, and complete your family’s health coverage.

The Importance of Dental Insurance
Dental care is about more than just a bright smile. It’s about preventing painful and costly problems down the road. Without dental insurance, many people are forced to delay or forgo necessary care, which can lead to more severe issues later.

A good dental plan is designed to make care more accessible and affordable. Most plans are structured to emphasize preventive care, often covering services like:

• Preventive Care (often 100% covered): This includes regular cleanings, routine exams, and annual X-rays.
• Basic Services (often 80% covered): This covers common procedures like fillings, simple tooth extractions, and root canals.
• Major Services (often 50% covered): This includes more complex and expensive procedures like crowns, bridges, dentures, and implants.

There are different types of dental plans, including DPPOs (Dental Preferred Provider Organizations), which offer a network of dentists but allow you to go out-of-network at a higher cost, and DHMOs (Dental Health Maintenance Organizations), which require you to use a specific network of dentists for a lower premium. We can help you choose the plan with the right network and benefits for your family.

The Clear Benefits of Vision Insurance
Your eyesight is precious, and vision insurance helps you protect it. A vision plan helps cover the costs of routine eye exams, prescription eyeglasses, and contact lenses. This not only makes clear vision more affordable but also encourages regular check-ups that can detect serious eye diseases like cataracts and macular degeneration in their early stages.

^{A typical vision plan provides benefits such as:}

• ^{Annual Eye Exam: A low, fixed copay for your yearly comprehensive eye exam.}
• ^{Eyeglass Lenses: A significant allowance or coverage for standard single, bifocal, or trifocal lenses.}
• ^{Frames: A generous allowance (e.g., $150 or more) toward the purchase of new frames every one or two years.}
• ^{Contact Lenses: An allowance toward the cost of contact lenses as an alternative to glasses.}
• ^{Discounts: Many plans also offer discounts on additional purchases or on lens coatings like anti-glare and scratch resistance.}

Why Get Your Dental and Vision Plans with Us?
Finding the right dental and vision coverage doesn’t have to be a chore. Nancy Cline Insurance makes it easy.

• Access to Top Carriers: We work with a wide range of leading dental and vision insurance providers.
• Plan Comparison: We help you compare waiting periods, annual maximums, provider networks, and costs to find the perfect fit.
• Bundled Solutions: We can find plans that work well with your existing health insurance, whether it’s a Marketplace plan or a Medicare plan that needs supplemental dental/vision coverage.
• Family-Focused: We ensure the plan you choose has pediatric benefits and covers the needs of every member of your family.

Invest in your long-term health. Contact Nancy Cline Insurance today for a free quote on dental and vision plans that will keep your family smiling bright and seeing clearly.