Health coverage offered through a group, usually an employer or organization, to a group of people. Group plans spread the cost among the members of the group, enabling such plans to typically cost less per person and offer broader coverage than individual health insurance plans. Coverage is provided for certain medical, hospital, surgical services and benefits through participation in a health benefit product underwritten by an insurance carrier. The services and benefits to be covered shall be subject to the terms and conditions set forth in the group policy.
Dental insurance is insurance designed to pay a portion of the costs associated with dental care. In general, a dental insurance plan covers a percentage of the dental charges incurred at a dental office, and may include free preventative services such as cleanings. There is no industry standard annual maximum limitation, deductible, or co-pay. Such coverages and benefit limitations are determined by each insurance company.
Vision insurance will help to cover the cost of eye exams, contact lenses and glasses. Some vision plans will also pay for corrective procedures such as laser eye surgery. Most plans will cover one pair or glasses or contacts a year. Usually the plans will only cover the costs of standard lenses, not the specialty lenses. Your health insurance may cover the cost of one eye exam and offer a discount on glasses for you. Additionally if you do not need glasses, you may choose to pass up this benefit. You can always enroll during open enrollment if you ever do need glasses.