Rounding Out Your Coverage

Dental and Vision

One shock many people face when moving from employer coverage to an individual plan is discovering that “Health Insurance” doesn’t usually include your teeth or your eyes. In the world of individual insurance, Dental and Vision are almost always separate policies. However, maintaining your oral and ocular health is vital to your overall well-being.

I help clients find standalone Dental plans that cover everything from routine cleanings to major work like crowns and root canals. Similarly, we can find Vision plans that help offset the cost of exams, glasses, and contact lenses. Because I work with multiple carriers, I can often bundle these or find specific carriers that offer strong networks of dentists and optometrists in our local area. It is about building a complete package so you aren’t left paying full price for a cavity filling just because you have a great health plan.

The Secret Weapon: Hospital Indemnity

There is one more tool in our belt that I often recommend, especially for those choosing high-deductible health plans: Hospital Indemnity insurance.

Let’s say you choose a health plan with a lower monthly premium but a higher deductible—say, $5,000. If you are hospitalized unexpectedly, you are on the hook for that deductible before your insurance fully kicks in. This can be a financial disaster for many families. Hospital Indemnity insurance is designed to fill that specific gap. It pays a cash benefit directly to you if you are admitted to the hospital. You can use that cash to pay your deductible, cover your mortgage while you are out of work, or handle any other expense. It turns a potential financial crisis into a manageable situation.

When you contact Gordon Glass Insurance Agent for a health insurance quote, we look at the whole picture. We don’t just sell you a policy; we design a strategy. We combine the right ACA plan with necessary Dental and Vision coverage, and potentially a Hospital Indemnity policy to protect your savings. It is a comprehensive approach to health that puts you and your family first.