Dental & Vision Insurance Under Age 65

It is important to have the right dental and vision coverage for you and your family.

Dental Insurance Options

PPO Dental Plans

PPO (Preferred Provider Organization) plans offer the most flexibility with wide provider access.



Features:

  • Choose any dentist; pay less when using in‑network providers
  • Includes preventive care (cleanings, exams, X‑rays), basic services (fillings), and major services (crowns, root canals)
  • Often includes orthodontic options for an added cost


Best for: People who want freedom to choose their dentist and are willing to pay more for wider coverage.

HMO / DHMO Dental Plans

HMO plans can be more affordable but offer limited provider choice.


Features:

  • Must choose a primary care dentist
  • No out-of-network coverage
  • Fixed copay amounts
  • Lower monthly premiums
  • Predictable copays
  • Shorter or no waiting periods


Best for: Individuals who want a low-cost plan and don’t mind staying within a set network.

Preventive-Only Dental Plans

These are low-cost plans that cover routine dental care.


Features:

  • Cleanings, exams, and X-rays covered at little or no cost
  • Excludes major procedures (crowns, root canals, dentures)
  • Great budget option


Best for: Individuals with minimal dental needs who want to avoid unexpected charges for preventive visits.

Vision Insurance Options

Vision PPO Plans

Vision PPO plans provide discounts and allowances through a wide national network of providers.


Features:

  • Annual eye exams
  • Allowances for frames or contact lenses
  • Discounts on lens upgrades (anti-glare, blue‑light filters, etc.)
  • Some plans cover medically necessary contacts


Best for: People who get new glasses or contacts every 1–2 years.

Vision Discount Plans

These are similar to dental discount plans, offering reduced rates.


Features:

  • Lower membership fee compared to insurance
  • Discounted costs on exams, glasses, and contacts
  • beneficial for individuals who only need occasional care


Best for: Those who want savings without full insurance.

A man wearing glasses and a turtleneck is walking down the street.

What to Look for When Choosing a Plan

Dental

  • Waiting period for major services
  • Annual maximum benefit
  • Network size
  • Coverage levels for major work
  • Orthodontic options

Vision

  • Frame and contact lens allowance
  • Network providers (e.g., LensCrafters, Costco, Visionworks)
  • Frequency of covered exams or eyewear