When you’re leading a remote team or managing people across states and time zones, there’s a lot on your plate. Health benefits usually top the list—and for good reason.
When you’re leading a remote team or managing people across states and time zones, there’s a lot on your plate. Health benefits usually top the list—and for good reason. But while many teams offer basic health insurance, what often gets overlooked are the essentials: dental vision and hearing insurance. These aren't just nice-to-haves. They're core to keeping your team healthy, productive, and focused.
Let’s walk through what this type of insurance actually covers, why it matters, and how companies like IQ Insurance Inc are helping business leaders support their people in smarter, simpler ways.
While plans can vary, here’s a general breakdown of what’s typically included in each category:
| Coverage Type | What's Usually Included |
|---|---|
| Dental | Preventive cleanings, X-rays, fillings, root canals, crowns, and sometimes orthodontics |
| Vision | Eye exams, glasses, contact lenses, and sometimes corrective surgery discounts |
| Hearing | Hearing exams, hearing aids, fittings, and maintenance |
These services aren’t usually part of standard health insurance plans, which means without separate coverage, your team may be paying full price out-of-pocket.
Most people assume their health insurance has them covered—but when it comes to cavities, blurred vision, or hearing loss, many are surprised to find the coverage falls short.
For example, one project manager in Austin found herself paying over $1,500 out of pocket for a single crown. That’s a steep, unplanned expense that could’ve been avoided with basic dental coverage.
Vision and hearing are no different. A good pair of prescription glasses can run between $200 and $500. Hearing aids? Easily $3,000–$6,000 for a pair. Without insurance, these costs can quickly add up.
Bundling dental, vision, and hearing into one plan offers three clear advantages:
One remote-first company that recently added this type of coverage saw a 12% improvement in employee satisfaction during their annual benefits review. People noticed—and appreciated—the effort.
Here are a few examples that show how this kind of coverage can pay off:
These aren’t unusual cases—they’re common needs that make a big difference when covered properly.
IQ Insurance Inc specializes in health and supplemental insurance plans that are tailored, easy to understand, and built for both individuals and remote teams. They don’t just hand you a brochure and hope for the best. Their advisors actually walk you through your options, helping you make choices based on what matters most to your team.
Whether you're a startup founder offering your first benefits package or an HR lead reviewing next year's coverage, IQ Insurance Inc can simplify the process and make it feel manageable.
Learn more about IQ Insurance Inc
Not all plans are created equal. When evaluating dental, vision, and hearing coverage, here are a few tips to keep in mind:
| What to Check | Why It Matters |
|---|---|
| Network of Providers | Make sure local dentists, optometrists, and audiologists are included |
| Premiums vs. Coverage | Balance monthly costs with what’s covered |
| Waiting Periods | Some plans make you wait months for major services |
| Annual Maximums | Check how much the plan pays out per year |
Transparency matters. If you ever find yourself unsure, pick up the phone and talk to the provider. Good insurance companies won’t dodge your questions.
| Procedure | Without Insurance | With Insurance (Est.) |
|---|---|---|
| Dental Cleaning (Twice/Year) | $300 | $0–$50 |
| Single Crown | $1,500 | $300–$600 |
| Eye Exam + Glasses | $400 | $25–$100 |
| Hearing Aid (One Ear) | $3,000 | $500–$1,200 |
When it comes to team health, the basics—like teeth, sight, and hearing—are anything but basic. Taking care of these areas means fewer distractions, better focus, and more confidence, especially in virtual environments where communication and clarity are everything.
Adding dental, vision, and hearing insurance isn’t just a checkbox on a benefits form. It’s a commitment to long-term well-being—for your team, and for the company’s overall performance.
With companies like IQ Insurance Inc making it easier than ever to find flexible, human-centered coverage, now’s the time to take a closer look at what your current plan is missing.
For more general info on what to expect from these types of plans, this HealthCare.gov overview is a solid place to start.