CompBenefits Advantages
CompBenefits is a type of dental and vision care insurance supplement plan marketed to individuals who do not have this type of coverage through their employers. With CompBenefits, you can choose to either take out a discount plan or secure one of their more comprehensive coverage policies. If you are shopping around for a vision or dental plan, you can find many advantages to CompBenefits.
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History
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CompBenefits is based in Florida and has recently been acquired by Humana. It is available on a nationwide level with branch offices in 20 different locations throughout the country. It offers benefits programs to individuals who have no type of dental or vision insurance coverage through their health insurance policies.
Types
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One of the main advantages of CompBenefits is that the company offers numerous types of plans to work with your budget as well as coverage requirements. Dental plans include Dental Plus, Dental PPO, Dental HMO, Dental Discount and Dental Indemnity. Currently, CompBenefits has only one type of vision plan.
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Features
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The different CompBenefits programs cover both routine and nonroutine dental procedures. Most of the programs pay out for X-rays, cleanings, fillings, oral surgery, peridontics and orthodontic procedures. Depending on the type of plan you decide on, you may need to see an in-network CompBenefits provider to access this coverage. The payout also depends on the plan that you choose. For the discount plan, you receive a discount on the dental charges, while the indemnity plan will likely reimburse you the full amount for the procedure.
Considerations
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An additional advantage of CompBenefits is the ability to access its comprehensive vision plan that covers almost all of your eye-care needs. Although you need to see an in-network doctor, eye exams, contacts, glasses and LASIK surgery are all covered under the vision plan. You can also receive treatment for eye conditions and diseases.
Benefits
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You can contact a CompBenefits broker to receive a quote on the different services offered by the company. The provider does have group rates, which can help an organization save on dental and vision insurance coverage. Once you secure a CompBenefits plan, you can manage your account through the company website.
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