Between dental, vision, life, maternity and prescriptions, there are enough different types of health insurance add-ons to make anyone’s head spin. Learning about what each covers can be extremely instrumental in making your decision on which extras, if any, are right for you and your family.
Dental – More than the thought of a root canal or getting braces, the cost of dental work keeps more people out of the chair than any other reason. Dental insurance has one of the highest rates of purchase in addition to a personal health insurance plan. All holds barred, this type of insurance seems to have precedence over all others.
Many dental plans include oral surgery, as long as it is a necessary procedure. The insurance companies do not consider voluntary procedures a necessity, especially when it comes to high dollar cosmetic surgeries. While dental insurance is not mandatory, it is extremely helpful to have for those unexpected instances of breaking a tooth or the need for braces.
Vision – Vision insurance, for most people, is quickly glanced over, unless glasses or contacts are already in the picture. For most individuals or families with good eye sight, the thought about spending extra money that probably will not be used, does not sound like a great idea. Unfortunately, many people don’t realize the added benefit of vision insurance since your yearly vision check-ups are covered.
Life – Planning for the unexpected is a large part of life as humans. It is always a sad time when someone passes away, so we try to plan ahead in hopes of lessening the blow as much as possible while we are still alive. Life insurance is an extra plan that allows the beneficiary to collect the amount of the plan upon death of the insured.
Life insurance helps to cover some, if not all, of the expenses that go along with the passing away of a loved one. A large enough plan also allows those left behind to be thoroughly taken care of. Plans are not very expensive for the amount of security they leave behind.
Maternity – Some personal health plans cover maternity, but a majority do not. This coverage is mostly for those who are considering planning for a family in the near future. If your family is planning on expanding at any point, it is a good idea to check with your insurance policy holder to determine their rules about applying for maternity coverage after discovering a pregnancy.
Prescriptions – Prescription coverage is pretty self-explanatory. With it, many prescriptions are under the twenty-dollar mark, but without it, the cost of medicine rises exponentially with the severity of the case. Even generic brands of medication can have large price tags without prescription insurance, making this health insurance extra a no-brainer.
No matter what extras you decide to tack on to your individual health insurance plan, they all have one thing in common; it is better to have them when needed than to not have them at all. Speak to your health insurance provider if you have any questions, they are always eager to explain further and find a plan to suite your specific needs.
Return to the Table of Contents for the Choosing Health Care series