When you think about protecting your health, getting a health insurance plan may be at the top of your mind. But dental and vision insurance play just as big a role in keeping you healthy. Bundling these benefits, and even adding hearing coverage, can offer more convenience, better coordination of care, and significant savings. Let’s dive deeper into some reasons to bundle dental, vision and hearing insurance together.
Why bundling coverage matters
Bundling your insurance simply means rolling more than one type of coverage into the same plan. Rather than juggling separate policies for dental, vision, and hearing, you can combine them all into one policy. It’s a simple way to stay organized and make sure your teeth, eyes, and ears all get the care they need without the extra hassle.
1. Predictable costs and peace of mind
You can save a good amount by bundling your dental, vision, and hearing coverage rather than paying for three separate plans. The premiums are usually lower, meaning that you’re spending less from month to month. And if you’re someone who goes in for regular cleanings, eye exams, or hearing aid checks, it’s nice having these expenses covered in one plan. There’s no need to pay three different premiums and keep track of multiple deductibles when you can simply have a single payment and one set of benefits to follow.
2. Added convenience
Keeping track of multiple plans from different providers can get confusing fast. When you bundle, you have one place to go for questions, claims, and payments, which saves time and cuts down on frustration. It comes in handy for families or caregivers trying to keep track of a loved one’s care. Another upside is that the bundle plan makes it that much easier to stay on top of checkups. After all, when everything comes from the same place, you don’t have to juggle reminders from three different providers.
3. Care that covers it all
Many people don’t realize how much their teeth, eyes, and ears say about their overall health. Dentists, optometrists, and audiologists can often spot early signs of bigger health issues during a routine visit — including diabetes, high blood pressure, or cognitive changes.
Bundled dental insurance, vision insurance, and hearing insurance coverage makes it easier to keep up with these appointments because you know they’re covered. With regular checkups, problems can be detected early — when treatment is likely simpler, less stressful, and usually more affordable. This helps you stay ahead of health issues instead of waiting until they become serious and expensive to treat.
4. Coverage for hearing
While dental and vision plans are common, adding hearing coverage is a growing trend. Some bundled plans now include benefits for hearing exams, hearing aids, and adjustments. This is valuable since hearing aids can be expensive, and many standard health plans don’t cover them.
Including hearing care makes sure your teeth, eyes, and ears get the attention they need. While it’s especially helpful for older adults, younger people can definitely benefit as well. If you work or study in a noisy place or have family members with hearing loss, this can be a sign to look into coverage.
5. Streamlined family coverage
If you have kids, that’s all the more reason to consider getting a bundle plan. That way, you can handle everything — from dental visits to eye exams and even hearing checks — all under one plan. Not only does this make it easier to keep everyone on schedule, but it also gives you a clearer picture of costs, which means fewer headaches when it comes to planning care.
Making bundled plans work for you
Thinking about getting a dental, vision and hearing insurance plan? Here’s what to look for:
- Coverage details: Make sure you know what’s included, from dental cleanings and eye exams to frames, lenses, and hearing devices.
- Provider network: Double-check that your favorite dentist, eye doctor, and hearing specialist are covered so you don’t have to switch.
- Out-of-pocket costs: Look at the deductibles, co-pays, and yearly limits so you’re not surprised by the bill.
For many people, dental, vision and hearing insurance bundled together is a simple, budget-friendly way to protect key areas of health without juggling multiple policies.
The bottom line
Bundling dental, vision, and hearing coverage isn’t just about convenience – it’s about prioritizing your overall health. If you combine your plans, you’ll be able to spend less and have fewer accounts to keep track of, making it a lot easier to stay on top of care. Plus, catching issues early means fewer surprise expenses and less time in the doctor’s office.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Aflac life plans – A68000 series: Term Life Policies: In Arkansas, Idaho, Oklahoma, Oregon, Texas, Pennsylvania & Virginia, Policies: ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68200, A68300 & A68400. In New York, Policies NY68200, NY68300 and NY68400. Whole Life Policies: In Arkansas, Idaho, Oklahoma, Oregon, Texas, Pennsylvania & Virginia, Policies: ICC1368100. In Delaware, Policy A68100. In New York, Policy NYR68100. B60000 series: In Arkansas, Idaho, Oklahoma & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. Not available in Delaware. Q60000 series/Whole: In Arkansas & Delaware, Policy Q60100M. In Idaho, Policy Q60100MID. In Oklahoma, Policy Q60100MOK. Not available in Virginia. Q60000 series/Term: In Delaware, Policies Q60200CM. In Arkansas, Idaho, Oklahoma, Policies ICC18Q60200C, ICC18Q60300C, ICC18Q60400C. Not available in Virginia. Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations, and exclusions. Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999, Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211
