Dental & Vision
The rising cost of health care premiums has prohibited many business owners from offering or contributing towards their employees’ supplemental benefits. Financial Liberty Group’s dental and vision plans are tailored to help provide some measure of relief from today’s constantly escalating premiums. Your money belongs in your pocket, so call Financial Liberty today to discuss your group vision and dental options. We are proud to offer dental and vision insurance at competitive rates, all backed by our personalized service.
Top-Notch Service & Decades of Experience
At Financial Liberty, we strive to tailor plans to meet your group’s unique needs. If you need information about Dental and Vision Health Insurance for New York residents, then you’ve come to the right place. As a trusted health insurance broker with decades of experience, Financial Liberty Group maintains strong relationships with the most trusted names in the industry. We take the time to learn about the unique needs of each of our clients, so we offer you the lowest rates on the area’s best dental and vision supplemental health insurance plans.
Without a proper dental plan in place, an unexpected root canal procedure could cost more out of pocket than your monthly mortgage payment. Even with coverage, it’s still very easy to rack up some major dentist bills when major work is required. Vision coverage works much the same way. The cost of glasses and contact lenses can add up to hundreds, even thousands of dollars; especially if several family members need them.
Managed Care Dental Plans
Instead of a one-size-fits-all dental plan, many providers are now offering Dental HMOs, or DHMOs. Similar to a regular HMO, these managed care plans require the selection of a primary in-network dentist, and allow patients to get basic treatments for free and pay predetermined co-payments for more advanced procedures.
A PPO (Preferred Provider Organization) also involves a network of dentists, but here the participating dentists discount their fees. Some procedures may be free, while others will be covered based on predetermined percentages.
Under this type of coverage, premiums are paid to the insurance company and employees are reimbursed in accordance via a simple formula that usually includes a one-time annual deductible. After the deductible is met, routine cleanings and preventive care are free and pre-determined percentage is covered for other more complicated procedures.
Vision Insurance Plans
Most of the vision plans we recommend provide access to a network of eye-care providers who either offer reduced prices or affordable co-pays for their services, as well as basic coverage for eyeglasses and contact lenses. Providers are typically general ophthalmologists or optometrists.
- The most important distinction between Vision Insurance Plans is whether the plan is a vision benefits package or a vision discount plan.
- A vision benefits package that covers services such as eye exams may require you to make a co-payment at the time of service, but the balance will be paid by your insurer.
- With a vision discount plan, you pay fully for services but at a lower-than-normal price that the plan’s participating eye care practitioners have agreed to charge.
To learn more about Dental & Vision Health Insurance for New York residents, you can contact us directly to speak with one of Financial Liberty Group’s experienced representatives over the phone.