Dental and Vision Plans
Protect your smile and sight with comprehensive coverage that keeps essential care affordable and accessible.
Your dental and vision health directly impact your overall wellbeing, yet these essential services often fall outside traditional health insurance. Whether you need routine cleanings, new glasses, or major dental work, dedicated dental and vision coverage ensures you get the care you need without straining your budget. We’ll help you find plans that keep you smiling – and seeing clearly.
Smart coverage for essential care
Dental and vision insurance work differently than medical coverage, focusing on prevention and routine care. Most plans cover preventive services at 100% from day one – no waiting periods for cleanings, exams, or basic screenings. This emphasis on prevention helps you maintain good oral and eye health while catching problems early when they’re easier and less expensive to treat.
You have two main options:
- Standalone plans: Customize coverage levels for your specific dental or vision needs
- Bundled packages: Combine dental, vision, and sometimes hearing for convenience and savings
What your coverage includes
Dental plans typically follow a 100-80-50 structure:
- Preventive care (100%): Cleanings, exams, X-rays, fluoride treatments
- Basic procedures (80%): Fillings, simple extractions, emergency treatment
- Major services (50%): Crowns, bridges, dentures, root canals, implants
Vision coverage generally includes:
- Annual comprehensive eye exams
- Allowances for frames and lenses
- Contact lens coverage options
- Discounts on LASIK and other procedures
- Detection of serious health conditions through eye exams
Maximizing your benefits and savings
Network advantages can reduce your costs by 25-50%. Major networks like Delta Dental, VSP, and EyeMed offer nationwide access to thousands of providers. Even better, many plans include “PLUS” provider networks with enhanced benefits like $0 copays for exams or increased frame allowances.
Smart strategies for maximum value:
- Use your preventive benefits fully – they’re already paid for
- Time major procedures across plan years to maximize annual limits
- Compare standalone versus bundled options based on total household needs
- Consider HSA-compatible plans for tax advantages
- Ask about family discounts and multi-year rate guarantees
Affordable protection that pays for itself
Individual dental plans start around $17-32 monthly, while vision adds just $10-15. Family plans offer even better value at $50-120 monthly for comprehensive coverage. When you consider that a single crown can cost $1,500 or new glasses average $350, insurance quickly proves its worth.
But it’s not just about catastrophic costs. Regular preventive care saves money long-term by preventing small issues from becoming expensive problems. That cavity caught early during your covered cleaning? Much cheaper than the root canal it could become.