Dental, Vision, and Supplemental Insurance: What Makes Sense If You’re Healthy and Under 65

If you’re under 65 and generally healthy, you might assume you don’t need extra coverage beyond your primary health insurance. But routine expenses like dental cleanings, eye exams, or unexpected medical events can quickly become costly. The right combination of dental, vision, and supplemental insurance can protect your health, your budget, and your peace of mind.

Live Well Benefit Advisors helps South Carolina residents understand their options and choose coverage that fits their lifestyle, needs, and retirement plans.

Dental Insurance: Preventive Care That Pays for Itself

Dental care is one of the most common healthcare expenses. Without coverage, even routine cleanings, X-rays, or fillings can add up.

Benefits of dental insurance:

• Preventive visits are usually fully covered

• Helps avoid expensive procedures later

• Pays for itself with just a couple of cleanings per year

Who should consider it: Anyone looking for predictable, affordable dental care and early detection of dental issues.

Vision Insurance: Affordable Coverage for Eye Health

Even if you have perfect eyesight, vision insurance offers preventive exams and can detect early health problems.

Benefits of vision insurance:

• Annual eye exams

• Glasses or contact lenses discounts

• Early detection of eye disease and other health conditions

Who should consider it: Screen-heavy workers, glasses/contact lens users, and anyone seeking preventive eye care.

Supplemental Insurance: Protection From Unexpected Costs

Supplemental plans cover gaps that your primary health plan may not, providing cash benefits you can use for medical bills, deductibles, or everyday expenses.

Popular options:

• Accident insurance for injuries

• Critical illness coverage for major health events

• Hospital indemnity plans for unexpected stays

Who should consider it: Active adults, families with children, or anyone with a high-deductible health plan looking for financial protection.

Which Plans Make the Most Sense for You?

• Predictable yearly costs: Dental + Vision

• High-deductible plans: Supplemental insurance

• Active lifestyle or children at home: Accident protection

• Major-event protection: Critical illness or hospital coverage

How Live Well Benefit Advisors Helps

Choosing the right combination of coverage can be overwhelming. Live Well Benefit Advisors simplifies the process by comparing plans, explaining costs, and helping you select insurance that fits your lifestyle and budget. Their team also provides guidance for long-term planning, so your healthcare strategy supports your retirement and overall financial goals.

The Bottom Line

Even if you’re healthy and under 65, dental, vision, and supplemental insurance can prevent surprise bills and support long-term wellness. Planning ahead with Live Well Benefit Advisors ensures you maintain quality care, protect your finances, and enjoy peace of mind.

Live Well & Retire Smart!