As Health Insurance Open Enrollment comes to a close, you may want to consider adding member-sponsored dental and vision coverage to your 2018 healthcare plan. As you know, regular dental and vision coverage may not be part of your primary health insurance plan, but are nonetheless an integral component of maintaining good health.
Having separate dental and vision plans in place for you and your family can help save you money on out-of-pocket charges in the long run. And for physicians in private practice, offering dental and vision plans as part of your healthcare package can help reduce absenteeism, attract qualified candidates and encourage employee loyalty.
What You Will Pay Without Insurance
When you least expect it, you may need a crown, your child may need braces and a new pair of prescription lenses may be in order. Without dental or vision insurance, the out-of-pocket expenses, combined with exams and X-rays, can amount to substantial amounts of money.
Average prices without insurance*
(subject to location, practitioner and retailer)
How You Can Save With Insurance
TMA Insurance Trust has partnered with MetLife to help provide savings on dental and vision care. Whether you’re looking for coverage for yourself, your family, or the employees in your medical practice, TMA Insurance Trust has negotiated fees and options to fit your specific needs.
You and your employees can choose a dentist from over 300,000 dental locations in the MetLife network, including nearly 80% of dental offices nationwide. The dental plan can help reduce out-of-pocket costs and is offered at affordable premiums and low copays for a number of preventive and restorative services such as cleanings, oral exams, crowns, bridges, and implants. Negotiated fees typically range from 15 – 45% below the average fees charged in a dentist’s community for the same or substantially similar services. Here are some added benefits:
• 100% coverage of in-network preventive care
• 33% average savings on in-network dental services
• Option to go out of network and still receive discounted group rates.
• Orthodontic coverage
• Low deductible and negotiated fees
• Exclusive group rates
TMA-Sponsored MetLife Vision Benefits
You and your staff can save on eye exams and corrective lenses including contacts. Choose from a large network of ophthalmologists, optometrists, and opticians from private practices to retailers like Costco® Optical and Visionworks®. The plan provides these savings:
• 100% coverage of annual eye exam and corrective lenses (with small co-payment)
• Up to 25% savings on high-tech lenses
• Up to $130 on frames
• 20% off extra pair of glasses
• Up to 20% off laser vision correction
• Out-of-network coverage available
• Exclusive group rates
Health Insurance Open Enrollment is a good time to think about complementing your 2018 healthcare plan with TMA-Sponsored dental and vision benefits. Contact TMA Insurance Trust for a no-obligation consultation. In an industry largely commission-based, you’ll receive unbiased guidance from a health insurance specialist who does not work on commission. Our only goal is to serve and support you as a TMA member.
For over 60 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry.
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