Accidents and illnesses can happen to anyone at any time. Medical / Health Insurance plans covers preventative care, and a portion of any urgent medical costs. The policy type structures how much the policyholder pays via copays, deductibles, and coinsurance pending the details of the policy itself, with specific rules and regulations that apply to some plans.
Vision insurance helps offset the costs of routine eye exams and also helps pay for vision correction wear, like eyeglasses, that may be prescribed by physicians or eye-care specialists. Vision insurance is generally considered supplemental insurance, which means that consumers generally buy vision insurance in addition to other types of medical insurance policies.
Dental coverage is critical to help you ensure the health of your teeth and gums. Dental insurance coverage typically helps pay for three areas of dental care: preventive, basic and major services.