Dental & Vision
Insurance Plans in Texas
Looking for the best dental & vision insurance plans in Texas? Southern Plains Insurance Group makes it easy for Texas residents to find the best policies for their needs.
You already know that regular dental and vision exams help protect our eyes and teeth, yet Medicare, ACA Marketplace health insurance, and many other Texas health plans don’t cover dentist or eye doctor visits for adults.
We help individuals and families find dental insurance and vision insurance with affordable monthly premiums. We’ll also help you find the benefits you need to keep your out-of-pocket costs to a minimum.
Find the Best Dental & Vision Plans
Speak with a Southern Plains Insurance Group specialist to get a personalized quote for the combined vision and dental coverage you and your family need.
Most Texas dental plans cover preventive care like x-rays and cleanings plus major dental services like root canals.
Vision insurance coverage typically includes eye exams and corrective lenses like eyeglasses or contacts.
- One insurance policy for both dental and vision care
- No networks
- No deductibles for dental cleanings
- No deductibles for eye exams
- No waiting period for checkups
Limitations and exclusions apply.
Accident Health Insurance
Could you afford to get into a serious car accident or have a severe accidental injury?
An ambulance ride, emergency treatment, hospital stay, and surgery could quickly exhaust your health insurance benefits, leaving you with hefty out-of-pocket costs. If you need to be transferred to a rehabilitation facility for recovery, most medical insurance policies won’t pay for it. And unfortunately, health insurance doesn’t cover funerals if the worst were to happen.
Not only will you be responsible for your copays and deductibles, you’ll also have to pay for the medical expenses and your primary insurance doesn’t cover.
Even if you have major medical coverage through another insurance company, Southern Plains Insurance Group can help you find the best accident health insurance in Texas.
Accident insurance provides you with cash to pay bills and out-of-pocket expenses. You’ll have peace of mind knowing that your credit and your savings will be safe.
An accident insurance policy pays you cash if you are injured or die as a result of a covered accident. You may also see it referred to as accident expense insurance, accidental death insurance or accidental death & dismemberment policies.
How Does it Work?
When there’s a covered accident, your accident insurance benefits are paid in cash directly to you, or to your named beneficiary in the case of death. This is in addition to any benefit you receive from a health, auto or life insurance policy.
You can use the cash payment to help pay for living expenses, hospital bills, copays, deductibles or any other out-of-pocket medical costs related to the injury. If your injury causes you to miss work, your accident insurance benefit can help cover your lost wages. You can use the funds to pay your mortgage, buy groceries and cover monthly bills.
Southern Plains Insurance Group makes it easy to find the best accident insurance plan for your needs in Texas. Get started online today or speak to a specialist.
Home Health Insurance
Home health care services allow people to live independently longer; however, most health insurance plans won’t pay for them.
Southern Plains Insurance Group can help you find the best home health insurance policy in Texas for your needs.
Home Health Insurance?
Home health insurance, or long-term care insurance, is a policy that covers costs for in-home health services that Medicare or health insurance usually don’t. These could include intermittent skilled nursing care, physical therapy or non-medical assistance.
Benefits may be used for things like changing bandages, wound care, administering medications, monitoring vital signs, activities of daily living like bathing or dressing, and more. Services can take place over a long period of time and it doesn’t matter if the person is homebound or not.
This Coverage For?
Anyone can use home health insurance.
Receiving medical and non-medical services at home helps people age in place and avoid nursing homes and assisted living facilities. However, home health care costs can quickly become overwhelming without insurance.
People often think of home health as a senior care service, but the truth is a person of any age could benefit from a long-term care insurance policy.
Patients with a disability, cancer, dementia, stroke or terminal illness may wish to receive treatments in their home instead of making multiple trips to the doctor.
Someone who is recovering from an accident, serious injury or severe illness could receive in-home therapy and nursing services to avoid a lengthy hospital stay.
With that said, home health policies are typically purchased by people in their mid-50s and older who want to continue living in their homes as long as they can.
What About Medicare
Home Health Care Benefits?
If you’re age 65 or older, you may receive limited coverage for in-home health care through Medicare Part A and Part B.
Medicare home health benefits only apply for short term medically necessary care. Medigap has the same requirements, so it’s is unfortunately not a solution either.
Medicare Home Health Coverage Requirements:
- Must be homebound
- Care must take place over a short period of time
- Services must take place infrequently
- Part-time skilled nursing care may be covered
- Certain therapies may be covered
Medicare Doesn’t Cover Home Health Care For:
- Those who aren’t homebound
- Frequent, ongoing services are needed
- Personal care services (cleaning, laundry, bathing, etc.)
- 24-hours a day in-home care
- No deductibles
- Daily benefit up to $150
- Paid in addition to other insurance, including Medicare