Question 1

How is this different from the Health Benefits Checkup?

Accepted Answer

The Health Benefits Checkup covers your whole health picture, marketplace major medical included, and it is the right booking when the medical plan itself is part of the question. This one leaves major medical alone and spends the full half hour on dental, vision, hearing and the supplemental plans — which is the better use of the time when your medical coverage is already settled and these are the pieces nobody has looked at.

Question 2

Is there an enrollment season for this?

Accepted Answer

No. Dental, vision and hearing plans are not Marketplace coverage and carry no annual enrollment window, so the month you are reading this is a month you can apply in. That is also why this one is worth booking outside open enrollment, when nothing else can move.

Question 3

Can I get major work done straight away?

Accepted Answer

Read the first policy year before you assume so. Preventive visits generally start at once, but basic and major services are usually covered at a lower level in the first policy year than they are later — the higher percentages printed on plan summaries are second-year numbers. We put both columns in front of you before you apply, so a crown in month one is never a surprise.

Question 4

Do I have to change dentists?

Accepted Answer

Not to have the conversation, and often not to take a plan. A network buys a negotiated price rather than permission — staying in network changes what a visit costs, it does not decide who you are allowed to see. Which of the two you are looking at is something we check before you decide anything.

Question 5

What about coverage I had before?

Accepted Answer

Bring the old policy number. Several plans credit coverage you already held toward the higher benefit levels, so a plan that ended with a job can still count for something. We check whether yours qualifies rather than assuming it does.

Question 6

Are these plans health insurance?

Accepted Answer

No — and the distinction matters. Dental, vision, hearing, hospital indemnity and critical illness plans are limited-benefit coverage. A hospital indemnity or critical illness plan pays a fixed cash amount when the event happens; it does not pay your medical bills and is not a substitute for major medical insurance. If the medical plan itself is the question, the Health Benefits Checkup is the right booking.

Question 7

Are these plans available where I live?

Accepted Answer

It depends on the plan and on your state — which plans are open to you is one of the things we confirm before you apply, so the written comparison you leave with only ever names coverage you can actually take.

Question 8

How are you paid for this?

Accepted Answer

The checkup is at no cost to you, and your premium is the same whether you apply through us or on your own. If you take a plan, the carrier pays us — stated in writing before you decide anything.

Cover the visits your medical plan leaves you to pay for

What this covers

How it works

Before we meet

In the meeting

What you leave with

Questions people ask first

How we are paid

Start with the Dental & Vision Checkup