Dental & Vision insurance
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Protect your smile and your vision. Get an affordable dental and vision insurance quote in just minutes.
Choose coverage that fits your needs and enjoy peace of mind with trusted providers. No obligation, no hidden fees — just simple, reliable protection.
Questions About Dental & Vision Insurance
Dental & Vision Insurance: Get the answers you're looking for.
What does dental insurance cover?
Preventive care (cleanings/exams), basic procedures (fillings), and major services (crowns) after waiting periods.
What does vision insurance cover?
Annual eye exams, frames, lenses, and discounts on contacts or LASIK, depending on the plan.
Are waiting periods required?
Yes. Many plans impose 6–12-month waiting periods for basic and major services.
Can I use any dentist/optometrist?
You pay less in-network. Out-of-network providers may require you to file claims yourself.
How much are annual limits?
Dental plans often have $1,000–$2,000 annual maximums. Vision plans typically offer up to $150 allowance for frames or contacts.
Are children covered?
Dependent children up to age 26 are covered under most family plans without extra charge.
Can I buy standalone coverage?
Yes. Dental and vision are sold separately from major medical; you don’t need medical coverage to purchase them.
How do claims work?
In-network providers file claims directly. Out-of-network providers may require claim forms and receipts submitted by you.
What are in-network vs. out-of-network costs?
In-network providers have negotiated rates, so your share of cost is lower. Out-of-network providers charge full price minus your plan’s reimbursement.
How do I find in-network providers?
Use the insurer’s online directory or member portal to locate participating dentists and vision specialists.