Dental / Vision Insurance.
Dental insurance is designed to pay a portion of the costs associated with dental care. There are several different types of individual, family, or group dental insurance plans grouped into three primary categories:
1. Indemnity (generally called: dental insurance) that allows you to see any dentist you want who accepts this type of coverage
2. Preferred Provide Network dental plans (PPO)
3. Dental Health Managed Organizations (DHMO) in which you are assigned or select an in-network dentist and/or in-network dental office and use the dental benefits in that network.
Vision insurance is a form of insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists. There are many vision insurance companies. The typical vision insurance plan provides yearly coverage for eye examinations and partial or full coverage eyeglasses, sunglasses, and contact lenses, with or without copays, depending on the plan chosen.
Choosing the Right Dental Plan in Florida
- Indemnity Plans
Ideal for those who have a preferred dentist. While it might be a bit pricier, the flexibility it offers in terms of choosing your preferred dental care provider makes it a popular choice among many.
- PPO Plans
If you’re looking for a balance between costs and flexibility, this might be the right fit. It offers reduced rates if you choose dentists within their network.
- DHMO Plans
The most budget-friendly among the lot, DHMOs necessitate picking from their network of dentists. While they might lack the flexibility of choice, they make up for it in affordability.
Vision Insurance: Seeing Florida in High Definition
With Florida’s expansive coastlines, colorful festivals, and vibrant nightlife, you’d want your vision to be impeccable. After all, you wouldn’t want to miss out on the intricate details of a sunset over the Gulf or the lively hues of Miami’s Art Deco buildings.
Understanding Your Vision Insurance Needs
- Annual Eye Exams
Regular check-ups ensure that your vision remains sharp and any potential problems are detected early.
- Glasses and Contact Lenses
Whether you’re reading a book by the beach or driving down the Keys, having the right prescription is vital. With Florida’s sunny days, having insurance that covers prescription sunglasses can be a boon.
- Choosing Between Providers
Much like dental insurance, vision insurance also offers options in terms of providers. Understanding your needs, whether it’s frequent eye check-ups or the need for designer frames, can guide your choice.
The Florida Advantage with Nexus Insurance Group
Being local, Nexus Insurance Group understands the nuances of Florida’s lifestyle. With our range of dental and vision insurance offerings, we aim to ensure that every Floridian not only looks their best but also experiences the state in its full visual splendor. Trust in us to guide you in making informed decisions about your dental and vision insurance needs.