Health and Dental Insurance is a type of insurance that provides coverage for medical and dental expenses not fully covered by government health plans. It helps individuals and families manage the cost of routine healthcare services, such as doctor visits, prescription drugs, dental care, vision care, and sometimes more specialized treatments like physiotherapy or mental health services.
Key Features of Health and Dental Insurance:
- Medical Coverage: Covers a range of medical expenses, such as prescription medications, hospital stays, specialist visits, and medical devices (e.g., crutches, hearing aids).
- Dental Coverage: Includes routine dental care such as cleanings, exams, fillings, and sometimes more extensive procedures like root canals, crowns, or orthodontics (braces).
- Vision Care: Often includes coverage for eye exams, glasses, and contact lenses.
- Preventive Care: Many plans emphasize preventive services, such as regular check-ups and immunizations, helping catch health issues early.
- Extended Health Services: May include coverage for services like physiotherapy, massage therapy, chiropractic care, and mental health support.
- Affordable Access to Healthcare: Helps reduce the out-of-pocket costs for medical and dental care, making it more affordable to maintain health and well-being.
- Customizable Plans: Health and dental insurance can be tailored to your needs, with options to add or remove certain types of coverage based on personal requirements.
Health and dental insurance is ideal for managing everyday healthcare costs and protecting against unexpected medical expenses, ensuring that individuals and families have access to the care they need without significant financial strain.