3 Things You Need to Add onto Your Health Insurance Plan
How often do you think about your health insurance?
If you're like most people, you don't give it a second thought until it's time to pay the bill. You may not even know all of the details that are and aren't covered under your plan - especially if you're part of an employer-sponsored health plan.
But if you take a look at your policy, you'll see that it's missing some things. That's why you should buy these 3 things:
1. Dental insurance
As health insurance costs have gone up, most employer health insurance plans have cut out "extras" like dental insurance. You may be surprised to learn the next time you need a root canal that your health insurance doesn't cover it!
Luckily, dental insurance isn't expensive, so you should definitely buy a policy. You can get an individual dental plan, or you can look for a plan that covers the whole family. Either way, you'll probably only wind up paying a few dollars a month for each person who needs to be covered.
And, if you need special coverage - like braces for your kids or dentures for your wife - make sure that your individual dental plan covers more than just the "basics".
2. Vision insurance
Like dental insurance, vision insurance has gone the way of the Do-Do Bird on most company-sponsored health insurance plans. However, if you don't have any type of vision coverage, you'll wind up spending a fortune the next time you need a new pair of glasses, or anytime you need to buy new contact lenses.
Luckily, vision insurance works just like dental insurance. You can get either an individual or family plan - and they're all affordable. In fact, you can save yourself some money by purchasing your dental and vision insurance from the same company. When you "bundle" coverage like that, insurance companies will cut you a deal that you couldn't have gotten otherwise.
3. Medicare supplemental insurance
If you're on Medicare, you may not even know about all of the things that are excluded from your coverage! For example, if you leave the country and get sick, you're not covered. Or, if you need a lengthy hospital stay, Medicare probably won't foot the bill for all of it.
But by getting Medicare supplemental insurance, you can fill the gaps in your Medicare coverage. That way, no matter what happens, you're covered. And, luckily, Medicare supplemental insurance is very affordable, so there's really no reason NOT to have it!