Healthy & Happy Smiles & Vision for a Lifetime....

Dental

Dental health is extremely important for individuals and families and it’s financially helpful to have some form of dental coverage to minimize the costs of dental care.  There is a difference between traditional dental insurance plans and managed care dental plans. Traditional plans allow you to use any dentist for you care while managed care plans are built on a foundation network providers. There are advantages to both options, one is the freedom of choice you receive by having a traditional plan, while the other is reduced out of pocket exposure by going to contracted dentist.

Comprehensive dental plans are typically available to individuals and families who receive their dental insurance coverage through large groups or through their employers.  Increasingly, though, many employers due to the burden of rising premiums are trimming some of the benefits they provide in an effort to reduce cost, as a result many people seek out alternative individual dental plans for themselves and families by sometimes scanning the internet.

 For an individual, a premium could cost you approx. $35 per month and give you basic coverage for exams, hygiene cleanings, root canals, orthodontics etc and depending on the insurance plan the maximum yearly spending limits can dramatically differ.  You may also have to pay deductibles on top of your premiums.  So whether your company is paying the premium, it’s shared or you are paying it all yourself, these are all factors that affect the bottom line cost of your dental care. 

Dental Products Available Through Your Broker and GHP-PEO:    Indemnity, DMO-Dental Maintenance Organization, DPO-Dental Provider Organization sometimes known as a PPO.

Vision

Every employee health program should provide professional eye care.  It can be an important tool in identifying underlying health problems and early detection and correction of basic vision problems can increase workers' productivity.  This directly impacts your company's operating efficiency.  We truly understand the importance of annual eye exams, as exams not only ensure healthy vision, but also can help detect many medical problems early and affect ones overall health.

Vision products often provide coverage for those gaps in health benefit plans which do not provide benefits for eye exams and eye care.