Choosing the Right Plan Type: Medical, Dental and Vision? Oh My!

Choosing the Right Plan Type: Medical, Dental and Vision? Oh My!

“Once They Were One, Now They Are Three?”

“Medical, dental and vision.” Did you ever have health coverage through work? They seemed like a package deal, right?  They may actually have been separate contracts or companies.  Your human resources team just made them seem seamless. Front desk folks at the dentist and eye doctor would take your medical card.  Then, “Voila!” they could often find details about whatever dental or vision coverage came “with it.”

Today, many people are buying health coverage on their own.  What “comes with” medical coverage may be different than you are used to. You may want to buy dental and vision coverage as well as medical coverage. Think of it like being your very own buddy in human resources.  Be sure to take a look at how dental and vision coverages work. They can be a little different than medical coverage.

What Does My Medical Cover for Dental and Vision?

Vision at a Glance

All qualified Blue Cross and Blue Shield of Oklahoma (BCBSOK) health coverage includes vision coverage for kids. It’s not extra like dental is. Kids’ vision benefits include one full eye exam a year with no cost to you. Kids get a pair of eyeglass frames with your deductible or coinsurance. You may also need to choose from certain kinds of lenses or frames.

(Remember, too, there’s one set covered per year though you may find more member deals through Blue365.  )

Adult BCBSOK members who are interested in annual vision exams may want to get vision coverage from VSP Vision Care.   You can sign up through Blue Access for Members℠.  Members also have access to eyewear discounts through Davis Vision. 

Dental Details

Dental coverage looks a bit different.

Have you signed up for health coverage through BCBSOK? You may remember that dental coverage options are right there on our application.  Did you know that when you buy a health plan that covers your children under age 19, they’re signed up automatically for dental coverage? If you want to waive dental coverage for kids, you’ll need to sign a statement that says your children are covered through another plan. That’s because children with qualified health coverage have to have dental coverage too. It’s part of essential health benefits under the Affordable Care Act (ACA).

Remember how we say it’s best to stay in network with your medical coverage? The same applies for dental coverage.  Using in-network dentists can keep your costs down.  Members can look up network dentists in Provider Finder® through their Blue Access for MembersSM account. Try to use in-network dentists to maximize your benefits. Also be sure to check your plan for details about what’s covered (or not), whether you see a network dentist or one who is out of the network.

Dental benefits for BCBSOK individual members can include savings on preventive services like checkups, cleanings and basic X-rays. You can also save on dental work like fillings, bridges and crowns. Check your coverage details to see what your share of the cost is for preventive visits and what your savings for dental services may be.

What’s The Deal with Discounts?

Don’t forget that with your BCBSOK membership, you also may have access to more dental and vision discount offers through Blue365.

Davis Vision is an independent company that administers the vision benefits for Blue Cross and Blue Shield of Oklahoma.

Vision plans are offered by VSP Vision Care. VSP is an independent company that does not offer Blue Cross and Blue Shield products and services and is solely responsible for the products and services it offers. VSP Vision Care will pay commission fees on plans purchased to a company affiliated with BCBSOK.

Blue Cross and Blue Shield of Oklahoma, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association

Blue Cross®, Blue Shield® and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans.

VSP is a registered trademark of Vision Service Plan.