Dental insurance is a type of health insurance designed to pay a portion of the costs associated with dental care. There are several different types of individual, family, or group dental insurance plans grouped into three primary categories:

• Indemnity (or sometimes called: true dental insurance) which allows you to see any dentist you want who accepts insurance.

• Preferred Provider Network dental plans.

• Dental Health Managed Organizations (DHMO) in which you are assigned to an in-network dentist or in-network dental office and must stay within that network to receive your dental benefits.

On MAC/MAB and U&C PPO plans, the claim allowance for in-network visits is considered at the Maximum Allowable Charge (MAC), which is the maximum amount a network provider may charge. If a policyholder selects a network provider, they may have lower out-of-pocket costs. On a MAC/MAB plan, if they visit an out-of-network dentist, the claim allowance is considered at the Maximum Allowable Benefit (MAB), which is equal to the lowest contracted fee in the ZIP Code area. On an 80th U&C PPO plan, out-of-network dental visits are paid at the 80th percentile of usual and customary charges. This means we expect 8 out of 10 charges from dental providers to be within the amount insurance pays for a covered procedure. On an indemnity plan, covered benefits are paid at the 80th U&C for all provider visits.

Vision insurance is a form of insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists. There are many vision insurance companies. The typical vision insurance plan provides yearly coverage for eye examinations and partial or full coverage eyeglasses, sunglasses, and contact lenses, with or without copays, depending on the plan chosen.