3 specialty benefits to consider during open enrollment
When comparing health benefits during open enrollment, it's natural to focus on medical coverage first. But additional benefits, such as vision, dental and supplemental health coverage, may also play an important role in supporting your overall health and helping you manage costs throughout the year.
From routine preventive care to coverage for unexpected needs, specialty benefits can help make the most of your health plan while supporting healthy habits and early detection of potential issues.
Here are 3 things to consider as you make benefits decisions:
1. Vision benefits can help protect eye health in a digital world
Many people spend hours each day looking at digital screens, whether for work, school or entertainment. Over time, that increased screen time may contribute to digital eye strain, which can include symptoms such as dry eyes, blurred vision, headaches and eye fatigue.1
Routine eye exams can help identify vision changes before they begin affecting everyday activities. Vision benefits may also help make it easier and more affordable to access prescription eyewear, contact lenses and other vision care services.
Depending on your plan options, eligible UnitedHealthcare Vision members may have access to enhanced vision benefits, including:
- Coverage for routine eye exams
- Access to a broad network of vision care providers
- Coverage and additional discounts on prescription glasses and contact lenses
- Discounts on laser vision correction procedures
- Access to the Children’s Eye Care Program, which provides enhanced benefits for children up to age 19 at no additional cost
2. Look for dental coverage that goes beyond preventive care
When evaluating dental benefits, it's important to look beyond routine cleanings and exams.
Most dental plans include preventive services, which may help identify issues early and keep oral health on track. But comprehensive dental coverage may also help pay for services that become necessary when unexpected dental problems arise, such as crowns, root canals, extractions and dental implants.
"People who've had healthy teeth can often be shocked by the cost of fixing that first big dental problem," said Mary Zarn, CEO of UnitedHealthcare Dental. “Without insurance, repair on a single tooth could be hundreds or even thousands of dollars.”
When comparing dental plans, consider the following:
- Does your plan offer preventive-only or comprehensive coverage?
- Do you have coverage for major services such as crowns, root canals and implants?
- Does it include access to a broad provider network?
- Are tools available to help estimate treatment costs before receiving dental care?
Dental benefits may be especially important for people managing chronic conditions such as diabetes, heart disease or COPD because oral health and overall health are closely connected.2
For eligible members, virtual dental visits may be available 24/7 at no additional cost through certain plans. This can make it easier and more convenient to help assess symptoms, receive guidance and determine whether in-person care is needed, potentially helping members avoid unnecessary emergency room visits.
3. Help prepare yourself for the unexpected with supplemental coverage
Expenses from an unexpected illness, injury or hospital stay can add up quickly. That’s where supplemental plans can help. This can include options like accident insurance, critical illness insurance or hospital indemnity insurance.
Supplemental health plans provide peace of mind and financial support through fixed cash payments or reimbursements during covered health and life events. This added layer of protection can help cover everyday expenses, medical bills, or the unexpected costs that come with time away from work.
As you review your benefits, taking a closer look at all the coverage options available to you may help you build a more comprehensive approach to your health and well-being.
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