I was wondering if anyone is aware of a Dental or Vision insurance that offers some form of return of premium if you are claim free. I know this is offered for supplemental health insurance like critical illness and accident.
I saw that American National offers a minor form of this for their Auto and Home policies and thought perhaps there might be something comparable for dental vision.
Also, I once stumbled upon a dental indemnity plan that allowed you to carry over from prior years unused maximums up to a certain cap. For example it might have been that your annual cap was 1k, but you could bank unused portion up to 3500. Is anyone aware of dental/vision companies that offer an indemnity plan which allow this?
I saw that American National offers a minor form of this for their Auto and Home policies and thought perhaps there might be something comparable for dental vision.
Also, I once stumbled upon a dental indemnity plan that allowed you to carry over from prior years unused maximums up to a certain cap. For example it might have been that your annual cap was 1k, but you could bank unused portion up to 3500. Is anyone aware of dental/vision companies that offer an indemnity plan which allow this?