The Four Components of Health Insurance

1. Primary Health Insurance
There’s no question that basic health insurance plan is a critical piece of your health and wellness puzzle. With open enrollment just around the corner, this is the perfect time to do your homework about that kind of coverage is available and then connect with your agent to find

There are still enhanced subsidies available through, you may have new offers from your employer and your agent will know how to get you the best pricing on the most coverage. Be sure you and your family are covered, that you can afford the monthly premiums, and that you keep your out of pocket expenses as low as possible.

2. Secondary Health Coverage
You may want to need to consider adding a supplemental health plan like accident or indemnity insurance. These will help you cover costs related to ambulance rides, radiology and non-prescription medications. These policies are relatively inexpensive and can also help with loss of income while you’re out of work due to illness or injury.

3. Vision Insurance
Vision Insurance is not typically part of your health insurance policy (this may be different for children under the age of 18). Annual eye exams, like most preventive care, can help you identify and solve vision issues before they become severe. Most vision coverage will include an annual exam, coverage for all or part of the cost of glasses or contacts, and may include important things like eye surgeries.

Things included in your vision plan can vary dramatically from plan to plan, check with your agent to make sure you’re choosing the plan that best fits your needs and your pocketbook.

4. Dental Insurance
Dental expenses are not typically covered by your health insurance (this may be different in the case of children). Unless the dental problem arose from an accident or is life-threatening, you will need to use your dental plan or pay 100% out of pocket.

In many cases, bundling your dental and vision insurance can save you money. Be sure to ask your agent about how bundling can save you money.