Dental and vision care are integral parts of your health, so it’s logical to assume that dental and vision insurance would be a standard part of health insurance. However, that’s not usually the case. Several other factors come into play regarding health insurance coverage in South Carolina.

Affordable Care Act

The Affordable Care Act mandates that dental and vision insurance be included in plans for children. If you get coverage for a minor, your insurance company may automatically include both. However, they may also charge you a higher rate to pay for them. The Affordable Care Act does not mandate this for adults, so you may not have this automatically included.

Optional Add-On

While many health insurance companies don’t include standard vision and dental insurance, they may have coverage available that you can add on to your existing plan. Many employers offer this through their employee programs. Health insurance companies provide various levels of coverage, so you only have to pay for what you’re required to have and what you need.

Things To Consider

While many plans don’t include vision and dental insurance for adults, every company is different. Always speak with an agent at Champion Insurance Agency to determine whether you have dental and vision insurance. Consider what your dental and vision needs are before automatically getting coverage. Some people opt out of vision coverage because they’re unlikely to have vision trouble based on their current health and age.

An agent at Champion Insurance Agency will work with you to ensure you understand your coverage. We can also help you discover other coverage options. Contact us today to learn more. We’re currently serving the South Carolina area.