Home / Individual Insurance / Dental & Vision
Dental & Vision
Most health plans stop at your teeth and eyes.
Your family's care shouldn't.
Cleanings, fillings, eye exams, glasses and contacts are the care you use every year. Individual and family dental and vision plans make it predictable and affordable.
Example
A year of routine care, without coverage
Two cleanings & exams
$400
X-rays
$150
One filling
$250
Eye exam
$150
Glasses
$350
Out of your pocket
$1,300
Preventive care on most dental plans
Often $0
Illustrative only. Actual costs and benefits vary by plan and provider.
Sound Familiar?
Putting off the dentist?
You're not alone.
Cost is the number one reason people skip checkups. The right plan makes routine care a non-issue and softens the big bills.
The problem
You haven't seen a dentist in years because of the cost.
How we fix it
Plans that cover cleanings and exams, often at no cost to you.
The problem
You're self-employed or your job doesn't offer dental.
How we fix it
Individual and family plans you own, no employer needed.
The problem
Your dentist says you need a crown, and you're not covered.
How we fix it
Plans with major-care coverage, and honest advice on waiting periods.
The problem
Glasses and contacts for the whole family add up fast.
How we fix it
Vision plans with yearly allowances for frames, lenses and contacts.
How Dental Coverage Works
Three levels of care.
One simple idea.
Most dental plans pay a different share depending on the kind of care. Knowing the levels makes it easy to compare plans.
Preventive
Cleanings, exams & X-rays
The routine care that keeps small problems from becoming big ones.
100%
typically covered
Basic
Fillings & simple extractions
Everyday treatment when your dentist finds something that needs fixing.
70–80%
typically covered
Major
Crowns, bridges & root canals
The bigger work, and where the right plan saves you the most.
50%
typically covered
Annual maximum
The most a plan pays in a year. If you’re expecting major work, a higher maximum can matter more than a lower premium.
Waiting periods
Many plans cover cleanings right away but wait months before paying for basic or major work. Some plans skip waiting periods.
Percentages are typical examples. Coverage levels, deductibles and maximums vary by plan.
Dental Plan Options
Find the plan that fits
your smile and your budget.
Most flexible
PPO Dental
See any licensed dentist, and save more when you stay in network. The most popular choice for families who already have a dentist they trust.
Dentists
Any, with more savings in network
Premiums
Moderate
Best for
Keeping the dentist you know
Tip
Before you choose, check that your dentist is in network. It's the easiest way to get the most from your plan.
Lowest premiums
HMO Dental
You choose a primary dentist from the plan’s network. Lower premiums and set copays make costs easy to predict.
Dentists
In-network only
Premiums
Lower
Best for
Budget-minded families
Tip
HMO plans often have no annual maximum and no waiting periods. Ask us which plans do.
Need care now
Dental Discount Plans
Not insurance, but a membership that gets you reduced rates at participating dentists. Savings can start almost right away.
Dentists
Participating network
Waiting
Usually none
Best for
Work you need soon
Tip
A discount plan can bridge the gap while an insurance plan's waiting period runs out.
Vision Insurance
See clearly for less.
And catch problems early.
If anyone in your family wears glasses or contacts, vision coverage usually pays for itself. Yearly eye exams can also spot signs of diabetes, high blood pressure and other health issues before you feel them.
Annual eye exam
Often covered with a small copay
Frames or contacts
A yearly allowance toward the pair you want
Lenses & coatings
Standard lenses covered, upgrades discounted
LASIK savings
Discounts on corrective surgery with many plans
FAQs
Dental and vision questions,
answered.
Can I keep my dentist?
Often, yes. With a PPO plan you can see any dentist and save more in network. We’ll check whether your dentist participates before you enroll.
Are there waiting periods?
Many plans cover cleanings and exams right away but have waiting periods for basic and major work. Some plans have none. We’ll show you which is which.
Is dental included in Marketplace health plans?
Dental for children is part of Marketplace coverage. For adults it’s usually optional, and you can add a separate dental plan on or off the Marketplace.
Can I buy vision without dental?
Yes. Dental and vision plans can be bought separately or together, whichever fits your family.
What is an annual maximum?
It’s the most your dental plan will pay in a plan year. Once you reach it, you pay the rest until the plan year starts over.
Keep Exploring
More ways to protect
you and your family.
Health Insurance
On and off Marketplace plans, explained and compared.
Supplemental Insurance
Accident, critical illness and hospital coverage that pays you cash.
Life Insurance
Free Coverage Review
Smile more.
Squint less.
Tell us about your family, your dentist and your eye doctor. We’ll find dental and vision plans that fit, at no cost and with no obligation.
Prefer to call?
Virtual appointments available
Meet with us by video, whenever it fits your schedule.