For seniors, the degeneration of the teeth, eyes, and ear is both a reality and a considerable risk.
With dental, vision, and hearing (DVH) plans, you can enjoy the various activities you love in retirement without having to worry about the cost of treatment and services. procedures. DVH plans also enable you to keep your teeth, ears, and eyes healthy as you age, preventing costly complications further down the line.
In this post, we’ll examine what to look for when choosing a dental, vision, and hearing plan.
Ensure that the chosen plan covers your precise DVH needs
You need to choose a plan that covers the same dental, vision, and hearing benefits that you need.
This is because coverage only applies when your insurance provider has deemed your DVH treatment necessary.
To this cause, your doctor must show proof to back up your claims before coverage can take effect.
Annual max is one of the most overlooked crucial factors when looking for dental, vision, and hearing plans. An annual max is a maximum amount in annual coverage payouts by your insurance company. For most plans, the amount is $1000.
Note that some plans have flexible annual max totals that increase with the policy, meaning you can get nearly $4000 annually for DVH after a few years.
Major treatment procedures
Specific medical procedures are regarded as major, so it’s important to ensure that your chosen dental, vision, and hearing plan has major coverage.
Dental coverage is generally half of the major treatment procedures, up to a maximum amount. It’s the same with hearing and vision, as you have to consider potential major complications for hearing aids, cataract surgery, and eye examinations for lens prescriptions.
Most beneficial dental, vision, and hearing plan category
DVH plans are usually threefold- comprehensive, preventive-basic, and preventive. The more benefits you get, the more dollars you’ll have to pay.
Preventive plans usually cover X-rays and dental cleanings, while basic plans cover fillings and extractions. Oral surgery, root canals, and crown treatments are in the domain of comprehensive plans, while orthodontia and dentures are the occasional extra.
Consider these three plans and decide which one best suits your needs. This way, you won’t overpay or underpay, as you’ll be choosing the precise coverage you need.
Signing up for a DVH plan
You can enroll in a dental, vision, and hearing plan yourself, but that will mean having to contact all the insurers offering the plan, and then comparing each of these plans in terms of coverage, premiums, deductible and other associated costs.
It’s a lot of work.
Save yourself the hassle! Let our independent insurance agents compare all the plans and guide you through the entire process for FREE, enabling you to make the best decision that suits your budget and health needs. Contact us today!