Dental & Vision Insurance

In-network dentists have a contract with your insurance provider to offer services at pre-negotiated, discounted rates. If you visit an out-of-network dentist, you will generally have to pay a higher percentage of the cost, as the insurer will cover a smaller portion of the bill based on their own fee schedule, and the dentist can "balance bill" you for the difference. 

No, most standard dental insurance plans do not cover cosmetic procedures. Coverage is typically restricted to services that are medically necessary to maintain or restore essential oral health, such as preventive cleanings, fillings, crowns, and extractions. 

Most vision insurance plans operate on a frequency schedule, typically covering a new set of frames and lenses or a supply of contact lenses every 12 months. Some plans might cover frames every 24 months but lenses annually. You should check your specific plan details for your exact eligibility timeline. 

 Basic vision insurance rarely covers the full cost of elective surgeries like LASIK or PRK, as they are often considered cosmetic or non-essential by insurers. However, many plans offer exclusive discounts or a fixed allowance toward the procedure through a network of contracted providers, which can significantly reduce the total cost.