Vision and Dental Coverage: What You Need to Know

You don’t know what you have until it’s gone.

Many people don’t give the health of their eyes or their teeth a whole lot of thought until it’s too late and they find out they need glasses or a root canal!

Preventive care goes a long way when it comes to your eyes and especially your mouth.

It’s important that your young children learn how to take care of their teeth while they’re little, as well as getting regular eye and dental exams.

Don’t let yourself or a member of your family suffer needlessly because you haven’t secured coverage!

Here’s what you need to know.

What are vision and dental insurance?

These insurance policies are to cover the costs of routine examinations.

They’ll usually also cover a percentage of treatments that your dentist or optometrist would recommend.

They may be offered as a part of your employer-sponsored health care packages.

If you don’t receive health insurance through your employer or they don’t cover vision and dental, you can buy these policies separately, or as a bundle from the marketplace.

The need for coverage

The health of the rest of your body is directly tied to the health of your eyes and especially your mouth!

Plus, you’re much more likely to visit the eye doctor and dentist on a regular basis when you have these coverages.

If you have little ones, they need to understand how to care for their teeth and why it’s important!

Routine vision exams are important for school-age children in order to discover any potential problems as early as possible.

Poor vision can cause issues, particularly with performing to their highest potential in school.

Plans will always vary according to a variety of factors, but the general services and procedures you can expect a vision plan to cover are:


  • Exams should be done once a year, whether it’s preventive or to keep tabs on a prescription. Routine eye exams can detect problems early and expedite treatment.
  • Eyewear can be a significant expense and they’re generally at least partially covered by your vision insurance.
  • Lens enhancements are special coatings for lenses that decrease fog, moisture, and scratches and may be covered by some policies.
  • Surgery will normally be covered by your regular health insurance plan as long as it is medically necessary, but your vision plan may assist you with elective procedures.



Here’s what you can expect from a dental policy:


  • Preventive care like dental exams and cleanings twice a year are standard with most plans.
  • Restorative care includes things like fillings or other treatments and procedures for decay.
  • Endodontics are more involved procedures. For example, root canals would be covered in this category.
  • Oral surgeries commonly include tooth removal, draining infections and biopsies of gum tissue.
  • Orthodontics is the installation, maintenance, and removal of braces and retainers. Generally, you should only have to pay a portion of this expense and the rest will be covered.
  • Periodontics encompasses the treatment of infections, lesions and gum disease.
  • Prosthodontics is the category under which all procedures related to dentures would fall. Your dental coverage will likely offset a big chunk of this expensive process.



It’s important that your teeth and eyes and those of your family are well taken care of, but the cost may prevent you from doing so when you don’t have any insurance coverage to help!

Vision and dental options

You have a few options. Your vision and dental coverage:

  • Can be a part of a larger health insurance plan, either through you or your spouse’s employer or a health insurance package that you purchase on your own.
  • Can be supplemental, on top of the health insurance plan you purchase from the Marketplace.

You’ll want to talk with your insurance agent to get some guidance because figuring out exactly what you need on your own can be confusing.

How much coverage do you need?

The best way to figure out the amount of coverage to purchase lies in your budget.

Determine the amount you can pay out-of-pocket should you need a certain procedure.

Choose a premium amount that comfortably fits your budget.

Your eyes and teeth matter!

Don’t be swayed by the thought of the extra expense of a vision and dental policy.

The cost of paying for necessary procedures with no coverage will be far more expensive.

Your insurance agent understands that you don’t want to spend any more than you have to and she will be glad to help you find a plan that works for you and your family.

Do you need to add dental and vision coverage to your health insurance plan?

Young Family Insurance

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