Colling Insurance Services Inc. serving Lakewood, CO helps individuals and families get the health care they need. There have been several changes in health care plans in the last several years, leading to different kinds of choices. Employers are required to offer insurance more than before, but they are not required to offer dental or vision policies except for pediatric policies. If they do offer dental or vision packages, they can offer any plan they find suitable, and require employees to buy the health insurance and treat the dental or vision insurance as an add-on.
Fortunately, Many Stand-Alone Plans are Available
Maintaining current dental and vision plans and making use of them helps keep you healthy. Luckily, you currently have several choices as to which dental and vision plan you can choose. If you cannot obtain a dental or vision package with your health insurance package, for whatever reason, you can choose a policy that is separate, even from a completely separate carrier.
Two Types of Dental Plans
Traditional insurance plans have the insured pay a monthly premium with a possible deductible and copayments. An HMO plan will tell you which providers are in your network, a PPO will give you more freedom, and an indemnity plan will repay you after you receive services.
The alternative plan lets you pay a monthly or yearly fee, but then instead of specific benefits you are eligible to receive certain discounts.
People with vision insurance tend to use it. Regular eye exams don’t just monitor your ability to see close or far away; they look for other health problems like high blood pressure, diabetes and brain tumors.
If you are need help finding a plan, call Colling Insurance Services Inc. serving Lakewood, CO today.