Let's Talk Dental & Vision
See Clearly. Smile Brightl!
Dental
Choose the dental plan that fits your smile and your budget—HMO, PPO, Discount Plans, and Dental Indemnity options available. Dental Insurance covers preventive care (such as cleanings and exams), basic procedures (fillings), and major procedures (crowns and root canals). Your dental health matters.
Vision
Affordable Vision Plans. Coverage for eye exams, glasses, contacts, and more because protecting your vision is part of protecting your health.
Need just glasses? Prescription eyeglass-only plans are available too.
FAQ
What’s the difference between HMO and PPO dental plans?
HMO dental plans require you to choose a primary dentist and get referrals, while PPO plans offer more flexibility to see any dentist—even out-of-network—often with higher premiums.
Can I get dental insurance that covers major services like crowns or dentures?
Yes. Many dental plans include coverage for major services like crowns, dentures, and root canals, though waiting periods may apply depending on the plan.
Can I bundle dental and vision insurance together?
Yes, many carriers offer bundled dental and vision plans for convenience and savings. It’s a great option if you want complete routine care coverage in one package.
Is there a waiting period for dental insurance?
Often, yes. While preventive care is usually available right away, many plans have 3 to 12-month waiting periods for basic or major services. However, some discount plans or specific insurance carriers offer no-wait options.
What’s the difference between a Dental Discount Plan and a Dental Indemnity Plan?
A Dental Discount Plan isn’t insurance, it gives you access to reduced rates with participating dentists. You pay the dentist directly at the discounted rate.
A Dental Indemnity Plan (also called fee-for-service) lets you visit any dentist and reimburses you a portion of your costs, often after you’ve paid upfront. It offers flexibility but may come with higher out-of-pocket expenses.
Does dental insurance cover major procedures like crowns or root canals?
Yes, but usually under major services coverage. Most dental plans split coverage into preventive, basic, and major categories. Major services often require waiting periods and may be covered at 50% after your deductible is met. Check your plan’s specifics.
What is considered preventive dental care?
Preventive care includes routine cleanings, exams, x-rays, and fluoride treatments. Most dental insurance plans cover these at 100%, encouraging you to maintain oral health and avoid more costly treatments down the line.
Let’s Find the Right Dental & Vision Plan for You
When it comes to dental and vision, you’ve got options! As your trusted broker, I’m here to help you find coverage that fits both your needs and your budget.