Dental & Vision Insurance

Life & Health

Dental and vision, when your medical plan does not include them.

Most individual medical plans cover neither for adults. Standalone dental and vision plans are inexpensive relative to what a crown or a pair of progressive lenses costs out of pocket.

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The Basics

Predictable expenses are the ones worth insuring efficiently.

Dental and vision are unusual in insurance because the costs are largely foreseeable. You know roughly how many cleanings and exams a household needs each year. The question is whether a plan beats paying cash, and that turns on the annual maximum, the waiting periods, and whether your dentist is in network.

For a family with children, or anyone facing major dental work, a plan usually pays for itself. For a single adult who only wants cleanings, sometimes it does not, and we will say so.

Preventive care typically covered from day one
Basic and major services, often after a waiting period
Annual allowances toward frames, lenses or contacts
Orthodontia coverage on some family plans

Check Before You Buy

• Is your dentist in network?
• What is the annual maximum?
• Waiting period on major work?
• Is orthodontia included?

What’s Covered

Typical dental and vision benefits

Preventive Dental

Cleanings, exams and x-rays, usually at full or near-full coverage.

Basic Services

Fillings, simple extractions and routine restorative work.

Major Services

Crowns, bridges, root canals and dentures, usually after a waiting period.

Orthodontia

Braces and aligners on plans that include it, typically with a lifetime maximum.

Eye Exams

Annual comprehensive vision exams for adults and children.

Frames & Lenses

An allowance toward glasses or contacts, with discounts on upgrades.

Common Questions

Dental & Vision FAQs

Is a dental plan actually worth it?

For families and anyone expecting major work, usually yes. For a single adult wanting two cleanings a year, sometimes paying cash is cheaper. We will run the comparison and tell you honestly.

Why is there a waiting period?

To prevent people from buying a plan the week before a crown. It is why buying before you need major work matters, rather than after the dentist gives you a treatment plan.

Does my medical plan cover eye exams?

Medical plans generally cover medically necessary eye care, not routine vision exams or eyewear for adults. Children’s vision is often included in ACA plans.

Can I keep my dentist?

Usually, though out-of-network costs more. Tell us who you see and we will check the networks before you enroll rather than after.

Let’s see if a plan beats paying cash.

Sometimes it does not, and we will tell you.

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