Individuals and families of all ages are eligible for coverage. Seniors above age 65 may also purchase coverage with most companies.
Routine preventive services (cleanings), basic services (fillings & simple extractions), major services (such as oral surgery, root canals and crowns) and orthodontic services are covered depending on the plan selected.
Most plans cover two cleanings per year plus routing x-rays. Beyond that, basic and major services are covered up the annual plan maximums. Typically maximum payouts per calendar year are $1,000 – $2,500 depending on the lever of coverage purchased.
What About Waiting Periods?
Most policies have no waiting periods for preventive services like cleanings and x-rays. Beyond that, it’s not unusual to see waits of 6 months for basic services and 1 year for major services.
There are some insurance companies who waive the waiting period if you have existing coverage. Others may cover a smaller percentage of the costs in year one and larger amounts in the following years. If you need coverage to begin right away, we can help.
Humana & United Healthcare (use the links above) as well as VSP & EyeMed (use the Ameritas link below) all offer stand-alone vision coverage.
Most policies have a small copay for an exam – typically $10 -$20. Frames, lenses and/or contacts will also be available at discounted rates or for a small copay. Others might offer an annual allowance for certain items like designer frames.
There are no waiting periods. Coverage begins right away. If you wear both glasses and contacts, then certain policies will allow for both in the same year. Contact us if you’re unsure.
All plans have large nationwide networks, but VSP and EyeMed are two of the most well-known and widely accepted. See both by clicking on Ameritas below.