Dental plans include coverage for preventive care like routine exams, cleanings, and X-rays. Some plans require a copay for preventive services while others cover those services 100% with no copay. It depends on the plan you choose, but preventive services are usually covered. Many dental plans also include coverage for basic services like fillings and extractions, and major services like root canals, crowns, and more.
Vision insurance works like traditional health insurance. Depending on how much coverage the plan offers, you may have to pay a co-pay to get a comprehensive eye exam or the insurance company may pay for the entire exam if you go to an optometrist in the insurance company’s network.
Some traditional vision insurance plans only cover the eye exam and not glasses. Others may charge only a co-pay for glasses. Some will cover eyeglasses but not prescription sunglasses. In many cases, the insurance company will pay a certain amount of money for frames and lenses and if you choose frames that are more expensive than what the company allows, you will have to pay the difference between what the insurance company allows and the cost of the frames.
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