SERVICE AGREEMENT - Golden West Dental and Vision 2025

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If you purchased insurance for medical and dental care and paid the premiums out of pocket with after-tax dollars, you can claim the amount as a deduction on your return.
You can deduct vision insurance premiums, eye exams and eye surgeries from your taxes if you paid for those expenses out of pocket. But, any costs covered by a vision insurance plan are not tax deductible. Additionally, you cant deduct any portion of your insurance premium that your employer-paid.
Health insurance companies do not offer vision and dental as a core plan benefit. The Affordable Care Act (ACA) excludes adult vision and dental as one of the 10 essential health benefits that health plans must provide. Excluding vision and dental helps health insurance companies keep premiums low.
Direct Reimbursement (DR) Depending on the plan, the patient pays the dentist directly (or the benefit may be directly assigned to the dental office) and then submits a paid receipt or proof of treatment. The administrator then reimburses the employee a percentage of the dental care costs.
A dental plan is a separate insurance policy from health insurance. As with health insurance, a dental plan requires you to pay certain costs, such as a deductible, premiums, copayments, and coinsurance.
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