Dental and vision insurance: is it worth it?
What's covered, how long you wait for major work, and when a separate plan from your health insurance makes sense.
Many people are surprised to learn their health insurance doesn't cover the dentist or glasses. On Marketplace plans, dental coverage is required for children, but not adults. Original Medicare doesn't cover most dental services or glasses either.
What does a dental plan cover?
Most plans work in three tiers:
- Preventive (cleanings, checkups, X-rays): often covered at 100%.
- Basic (fillings, simple extractions): the plan pays part, such as 70% or 80%.
- Major (crowns, root canals, bridges, dentures): the plan pays less, such as 50%, sometimes after a waiting period.
Also check the annual maximum: the most the plan pays in a year. If you already know you need major work, compare that number and the waiting period before choosing.
What about vision?
A vision plan usually covers a yearly eye exam and an allowance for glasses or contacts. If you wear glasses, it often pays for itself.
When is it worth it?
- You see the dentist at least once a year.
- You have kids who need checkups, sealants or braces.
- You wear glasses or your prescription changes often.
- You have Original Medicare and no other dental coverage.
When can I enroll?
Most standalone dental and vision plans accept applications nearly year-round, not just during Open Enrollment. See dental and vision options or get a quote in two minutes.
Sources
This guide is general information, not tax or legal advice. Rules and dates can change; confirm details for your state with your agent or the official source.