3 Things Your Health Insurance Probably Isn't Giving You
With healthcare costs constantly on the rise, it's easy to think that your expensive policy covers everything you could possibly need. However, that's not always the case. In fact, if you just have a regular ol' health insurance policy, there are 3 things it probably doesn't cover - that you're going to need to buy separately:
- Individual dental insurance
Sadly, lots of individual and employer-sponsored health insurance policies no longer cover dental insurance. But if you think it's OK to go without an individual dental plan, think again. Even a routine cleaning and checkup can cost you hundreds of dollars. If you want to have the very best oral health, you need individual dental insurance to help you foot the bills.
A Delta Dental individual plan is one of the best in the industry. Unlike other companies, Delta Dental focuses specifically on dental insurance. When you get a Delta Dental individual plan, you'll have access to a wide range of dentists and specialists. And, because the company is so big, you'll get to take advantage of competitive monthly rates.
- Vision insurance
Over the years, vision insurance has fallen into the same category as individual dental insurance. Lots of health plans have cut it out, and people either don't realize, or think they can afford to go without it. But even if you don't wear glasses or contacts, you still need vision insurance to protect you in case your vision gets worse - or if your eyes are ever injured.
Luckily, vision insurance is incredibly cost-effective. You can usually find it for just a few dollars a month. And, if you buy it from the same company that handles your dental insurance, you can get a discount on both policies!
- Medicare supplemental insurance
If you're about to qualify for Medicare, you probably aren't aware of all the things that basic Medicare coverage doesn't pay for. Unfortunately, there are a lot of exclusions in basic Medicare coverage - and the things that are covered have relatively low limits. If you don't have some kind of Medicare supplemental insurance, you're going to wind up paying big chunks of your medical expenses all by yourself!
Even if you've been eligible for Medicare for years, it's never too late to sign up for a Medicare supplemental insurance plan. There are plenty of choices out there, and there are policies in virtually every price range. That way, you can find supplemental coverage that fits your needs perfectly!