Coverage for the Care You Use Every Year
Dental and vision coverage can help make routine exams, preventive care, glasses, contacts, and eligible treatments more manageable.
Get straightforward help reviewing benefits, provider networks, waiting periods, allowances, and costs before choosing a plan.
Why Consider Separate Dental and Vision Coverage?
Routine adult dental and vision care is not included in every major medical plan. Marketplace plans include pediatric oral and vision benefits, but adult dental and vision coverage are not required essential health benefits. Some medical plans include these benefits, while others require separate coverage.
Dental coverage may be available as part of a medical plan or through a separate dental policy. Stand-alone adult vision plans are generally purchased outside the federal Marketplace through an insurer, agent, or broker.
I can help you review available options and understand what each plan covers before you enroll.
Dental and Vision Coverage for Individuals and Families
Dental Insurance
Dental insurance can help with the cost of preventive care and eligible dental treatments. Depending on the plan, benefits may include:
- Routine dental examinations
- Preventive cleanings
- X-rays
- Fillings
- Extractions
- Root canals
- Crowns and bridges
- Dentures
- Other covered dental services
Benefits, waiting periods, annual limits, networks, and cost-sharing vary by plan.
Vision Insurance
Vision insurance can help reduce eligible expenses associated with maintaining your eyesight and correcting your vision.
Depending on the plan, benefits may include:
- Routine eye examinations
- Prescription eyeglass lenses
- Frames
- Contact lenses
- Lens upgrades
- Discounts on additional products or services
All federal Marketplace plans include vision coverage for children, but only some include adult vision benefits. Separate adult vision plans may be available when medical coverage does not include them.
What Can Dental and Vision Coverage Help With?
Routine Preventive Care
Coverage may help make regular dental cleanings, examinations, X-rays, and eye examinations more affordable.
Unexpected Treatment
Dental benefits may help with eligible fillings, extractions, crowns, root canals, dentures, and other treatment when problems develop.
Glasses and Contacts
Vision benefits may provide an allowance, copayment, or discount for eligible frames, lenses, contacts, and related services.
When Should You Consider Dental and Vision Coverage?
Separate coverage may be worth reviewing when you:
- Do not receive dental or vision benefits through work
- Are self-employed or own a small business
- Have medical insurance without adult dental or vision benefits
- Expect to need routine dental care
- Wear glasses or contact lenses
- Have children or dependents who need coverage
- Expect dental treatment during the coming year
- Want access to negotiated provider-network rates
- Are approaching retirement or losing employer benefits
- Want predictable benefits for routine services
Should Dental and Vision Be Combined or Separate?
Some insurers offer dental and vision benefits together, while others sell them as separate policies.
A combined package may be convenient, but it is still important to review each benefit individually. A strong dental plan does not automatically mean the vision benefits will meet your needs, and the reverse is also true.
Compare:
- Monthly premiums
- Covered services
- Provider networks
- Annual dental maximums
- Waiting periods
- Vision allowances
- Benefit frequency
- Family or dependent rates
- Exclusions and limitations
Find Benefits You Can Actually Use
Dental and vision plans can look inexpensive, but the details determine whether a plan provides useful value.
I can help you review:
- Dental and vision benefits
- Monthly premiums
- Deductibles and copayments
- Provider networks
- Waiting periods
- Annual dental maximums
- Frame and contact-lens allowances
- Coverage-frequency limitations
- Individual and family options
- How separate coverage works with your medical plan
Common Dental and Vision Questions
Can’t find what you’re looking for? We’ve gathered the answers our customers reach for most so you can get moving faster.
Still have questions?
Contact our teamDoes regular health insurance include adult dental and vision coverage?
Not always. Adult dental and vision benefits are not required essential health benefits under Marketplace medical plans. Some plans include them, while others require separate coverage.
Can I purchase dental insurance separately?
Yes. Dental insurance may be included with a medical plan or purchased through a separate dental policy.
Can I purchase stand-alone vision coverage?
Yes. Separate adult vision plans may be available directly from insurance companies or through an agent or broker. The federal Marketplace does not offer stand-alone adult vision plans.
Can I use any dentist or eye doctor?
That depends on the plan. Some plans provide greater benefits when you use participating network providers. Always verify the provider’s current network status before receiving care.
Does dental insurance cover major procedures immediately?
Not always. Some plans use waiting periods before covering certain basic or major services. Review the plan’s effective date and waiting-period rules before enrolling.
What is a dental annual maximum?
It is the maximum amount the dental plan will generally pay toward covered services during a benefit year. You remain responsible for costs beyond that amount, subject to the policy.
Does vision insurance pay the entire cost of glasses?
Not necessarily. Many plans provide a set allowance or benefit for frames and lenses. You may pay additional costs when the product exceeds the allowance or includes optional upgrades.
Can I cover my entire family?
Many dental and vision plans offer individual, spouse, child, and family coverage. Available rates and eligibility rules vary by insurer and plan.
Take Care of Your Smile and Your Sight
Routine dental and vision care can support your overall health and help identify problems before they become more serious.
Let’s review coverage that fits your needs, preferred providers, and budget.
Dental and vision products, premiums, covered services, provider networks, waiting periods, annual maximums, allowances, deductibles, copayments, exclusions, and availability vary by insurer, plan, applicant, and location. Review the applicable policy documents before enrolling. Policy terms and conditions control all benefits.