Dental & Vision
The care your health plan doesn't cover.
Major medical generally doesn't pay for cleanings, fillings, crowns, eye exams, frames, or lenses. These are the plans that do — standalone, affordable, and available with no-waiting-period options.
Dental
Coverage typically organized in three tiers, with your share rising as the work gets more involved.
- Preventive — cleanings, exams, X-rays, usually covered at the highest level
- Basic — fillings, extractions, simple procedures
- Major — crowns, bridges, dentures, root canals
- Orthodontic riders available on some plans
No-waiting-period plans available
Vision
Straightforward, predictable coverage for the things people actually use every year.
- Annual eye exam with a low copay
- Allowance toward frames
- Lenses, including common upgrades
- Contact lens allowance in place of glasses
Usually among the least expensive coverage you can buy
A note on waiting periods
Many dental plans impose a waiting period before major work is covered — often six to twelve months. Some don't. If you already know you need a crown, that distinction is the entire decision, and it's the first thing we'll check for you.
Plan designs, benefit levels, waiting periods, networks, and pricing vary by carrier and by state. The items above describe how these plans generally work, not the terms of any specific policy.
Next step
Tell us what you need covered.
If you're already planning dental work, say so — it changes which plan makes sense.