5 Common Myths about Supplemental Health Insurance
Updated on November 14, 2019
We’re told we need major medical health insurance. It covers doctor’s visits, prescriptions and hospital stays. But, what about insurance for oral and vision health? Our teeth and eyes are critical to our overall health, so why does this type of coverage go overlooked? There are a lot of myths out there that devalue ancillary insurance, but we’re here to prove them wrong.
1. It’s expensive.
Typically, ancillary health coverage, like dental and vision insurance, come with very affordable price tags. eHealth offers dental plans that start at $8.95* a month.
2. The coverage is limited.
Ancillary plans are great for preventative care and basic coverage. Most dental plans cover some or all of the costs of oral exams, cleanings, fillings and x-rays. Vision insurance tends to cover annual eye exams and usually covers some or all of the costs for lenses, frames and Lasik.
3. There’s no coverage for major procedures.
Ancillary plans usually pay a certain percentage for major procedures and surgeries. You likely won’t have to foot the entire bill for major work like crowns and root canals. Every plan differs, so it’s important to choose a plan that gives you enough coverage for higher-cost services.
4. It doesn’t save you money.
When you use your covered services, you’re likely to detect problems early. That means you’ll be able to avoid more costly procedures. Studies show that for each dollar spent on preventive services, it is estimated that $50 or more is saved on more expensive procedures.
5. It’s not as important as medical insurance
Wrong! Protecting your oral and eye health is critical to overall health. According to the mayo clinic, oral health problems can lead to serious health conditions, such as cardiovascular disease and pneumonia. Your mouth, and your eyes, are entry points to your internal system, so it’s critical to keep them healthy or you’ll put the rest of your body at risk!
To learn more about ancillary insurance options for you, visit eHealth.com. You can see covered benefits, get quotes and enroll online.
*Rates are illustrative only and vary based on individual circumstances.