The best dental and vision insurance options in 2023

Small business owners and human resource managers working in what the Affordable Care Act, or ACA, classifies as a “small business” — those with 49 or fewer full-time employees — have a full plate.

And when it comes to determining the best options for employee benefits such as health insurance coverage, the various options, details, and factors to consider can be complex and time consuming.

This applies to the additional benefits of dental and vision insurance options.

The best dental insurance companies of 2023

Here are the best dental insurance companies as reviewed by Forbes Advisor, along with their top features:

• Anthem – For off-network coverage
• Guardian Direct – for the price of benefits offered:
• Amritas – No waiting periods
• Delta Dental – Orthodontics for adults
• Humana – for preventive care
• Spirit Dental – To clean teeth

Another reviewer, Investopedia, arranged this Service providers according to their choices for the best dental insurance companies for the year 2023:

• Cigna
• Renaissance Dental
• Spirit of dentistry
• Humana
• United Health One

According to Forbes,

Your dental plan is usually separate from your health insurance plan. If you receive health insurance through your employer, dental insurance may be offered to you as part of your employment benefits package or may be purchased separately from an insurance company. Some dental plans may have a waiting period before they start covering you or may exclude coverage for pre-existing conditions. Most plans also have a cap on the annual allowance, which limits how much the insurance company will contribute to the member’s dental expenses in a year.”

It is also important to note that there are three basic types of dental insurance plans:

Dental Preferred Provider Organizations (DPPO)

These are plans with the provider’s network but allow for out-of-network care at a higher cost.

Dental Hygiene Maintenance Organizations (DHMO)

Members are required to use only the plan provider’s network. These plans usually do not cover services outside the provider’s network.

Fee-for-service plans

Fee-for-service dental insurance plans, also called indemnity plans, do not have provider networks, and allow members to see any dentist. These plans pay a percentage of the service and members cover the balance of costs.

The best vision insurance companies in 2023

Almost everyone benefits from dental insurance; However, not all employees may want or need vision insurance. But even those who don’t need glasses today may find them necessary at some point in their lives.

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According to the Vision Council, about 75% of adults use some form of vision correction. About 64% of them wear glasses, and about 11% wear contact lenses, either exclusively or with glasses. “

If the overall average age of your workforce is over 40, odds are that most of your employees could benefit from vision coverage.

One reviewer They rated their choices For the best vision insurance companies for the year 2023, they are as follows:

• Best Overall: VSP Vision Care
• Best for Plan Options: EyeMed
• Comprehensive Coverage: Davis’ Vision
• Best for LASIK Surgery: UnitedHealthcare
• Best for Contact Lens Users: Humana

And a Forbes consultant List these companies As their favorite top-vision insurers in 2023:

• direct vision
• EyeMed
• VSP (Vision Service Plan)
• Amritas
• Humana

Vision insurance coverage varies based on the plan, but most vision insurance plans fully cover the cost of an annual eye exam when it is performed by in-network providers. In addition, most plans provide allowances on eyeglass frames and contact lenses up to a set dollar amount.

Factors to consider with dental and vision insurance coverage

Choosing dental and vision plans should include balancing factors such as low monthly premiums and comprehensive coverage. In addition, coverage should include basic examinations and routine visits either at 100 percent or at a significant portion of these costs.

For tooth coverage, a higher annual cap can also be essential. For vision insurance, the amount of allowances for eyeglass frames and lenses can be a deciding factor.

While it is often possible to select and purchase both dental and vision insurance coverage for you and your employees separately from your health insurance coverage plan, many health insurance providers offer both as part of their plan packages. In these cases, choosing the bundle is generally less expensive than buying separate plans.

Keep in mind that, just as with health insurance, there is a monthly premium and the deductible must be met before the insurance provider will pay for the services.

JC LEWIS Insurance Services for your small group insurance needs

A local, family owned business based in Sonoma County since 1979, JC Lewis Insurance and our team of expert brokers offer small group health insurance as well as dental and vision products.

In addition, we offer small business and individual health insurance plans from only leading health insurance companies licensed to do business in California.

Besides being a professional and experienced health insurance broker, JC Lewis is licensed and approved by each of these insurance companies. This means we can offer coverage to small group employers as well as complementary and prescription drug plans for seniors.

So, if you are looking to purchase dental, vision, and health insurance for your employees, you likely have many questions and concerns.

At JC Lewis Insurance Services, we welcome your questions about insurance coverage, and you can be confident that we’ll help you find the right solution.

For help finding the right small group employee vision, dental and health plan and finding quality providers in your area, give JC Lewis Insurance Services a toll-free call at 866-745-9555.

We’ll help you understand your options so you can make an informed decision.