Texas Dental and Vision Insurance

If you want to get dental insurance, you’ll find a lot of plans to choose from. The options may seem overwhelming, but there are some easy ways to find the coverage you need.

Texas dental insurance works in much the same way that medical insurance works. For a specific monthly rate(or “premium”), you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services required to promote general dental health.

Dental insurance is an important part of protecting your overall health and the health of your family. Brushing and flossing regularly will help you keep a cleaner mouth, but only a dentist and dental hygienists have the tools and ability to fully clean your teeth.

Without regular cleanings, bacteria build up in your mouth can lead to decay and cavities, and eventually tooth loss. Regular visits to the dentist are essential to not only prevent these problems, but also catch any problems that do exist before they cost you your smile.

Even a simple trip to the dentist costs money, however, and with a family or more serious issues, the costs can quickly add up. That’s where dental insurance comes into play. A dental insurance plan can help cover the cost of basic dental services as well as most costly procedures.

The health of our eyes and mouths is no less important than that of the rest of our bodies. But vision and dental insurance are excluded from traditional Medicare health insurance. 

Medicare doesn’t cover most dental care, dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices. Medicare Part A (Hospital Insurance) will pay for certain dental services that you get when you’re in a hospital. Part A can pay for inpatient hospital care if you need to have an emergency or complicated dental procedures, even though dental care isn’t covered.

Medicare doesn’t cover routine eye exams (sometimes called “eye refractions”) for eyeglasses or contact lenses. Medicare Part B (Medical Insurance) covers some preventive and diagnostic eye exams:

• Yearly eye exam
• Glaucoma tests
• Macular degeneration

Why do I need dental and vision insurance coverage?

If you are in the market for dental and vision insurance and find yourself asking, “Why do I need it?” consider the advantages to your overall health. Our oral and ocular health can be key indicators for detecting early stages of many health risks and diseases, as well as helps prevent many other health issues.

Ashford Insurance understands that your needs are unique

There are separate, standalone plans for vision or dental benefits that can be used on top of a health insurance plan as a form of supplemental insurance. There are even dental and vision insurance “packages” that offer benefits for both.

We’re committed to finding you the dental and vision plan that meets your needs. The PrimeStar dental and vision insurance plans offer affordable coverage with instant free online quotes, coverage for individuals 18+ (including seniors), no online enrollment fees and the Ameritas dental network.