Blog│Government Employees Association

GEA – Do I Need Dental and Vision Insurance?

Written by Heather Bancroft | Sep 24, 2024 12:45:00 PM

Dental and vision insurance often take the backseat when considering health insurance options. However, these types of coverage offer significant benefits to your overall health. In this blog, we delve into the benefits, common misconceptions, and tips for choosing the right plan to help you make an informed decision.  

The Benefits of Dental and Vision Insurance  

There are many important benefits to having dental and vision insurance. 

Cost Savings 

Routine visits to your dentist or eye doctor can add up quickly without insurance. Insurance can significantly reduce these out-of-pocket costs, making it easier to maintain your oral and eye health.  

Preventive Care 

Dental and vision insurance often cover preventive care services entirely or at a reduced cost. Regular dental checkups and eye exams can catch issues like gum or eye disease. Preventive care not only helps you stay healthy, but also minimizes medical expenses in the future. 

Coverage for the Unexpected 

Dental and vision emergencies can happen and having insurance provides peace of mind if any issues occur. Most plans offer coverage for these unexpected events, ensuring you receive the necessary care without the financial burden.  

Common Misconceptions about Dental and Vision Insurance 

Many people think they will spend more on premiums than they would on dental and vision care, leading them to believe that dental and vision insurance is not worth it. This is not always the case. The key is to evaluate you and your family’s needs and the benefits offered by various plans.  

Another common misconception is that only people with existing dental or vision problems can benefit from insurance. However, everyone can benefit from preventive care and the peace of mind that comes with the extra security. 

Tips for Choosing the Right Plan 

 To get the most out of your plan, it’s important to choose the right plan for your needs.  

  • Assess your needs: Consider your current health status, whether you wear glasses/contacts, and if you have a history of dental problems. 
  • Compare plans: Compare the coverage options, premiums, deductibles, and out-of-pocket costs of different plans. 
  • Check provider networks: Ensure that your preferred dentists and eye care professionals are in-network for the plans you’re considering. 
  • Read reviews: Read reviews and ask friends, family, or healthcare providers for their recommendations. 

Dental and vision insurance can provide substantial benefits from cost savings to preventive care. By carefully evaluating your needs, you can choose the right plan for you and your loved ones, promoting overall health and providing peace of mind.  

Vision and Dental Insurance with GEA 

GEA is dedicated to delivering comprehensive insurance plans to its members. Through our new partnership with Guardian, we now offer our members a range of dental and vision plans with low monthly rates. Explore your options with GEA today.