Affordable Dental Care Plans and Affordable Vision Care Plans for Everyone.

Vision Insurance for Everyone.

Vision insurance is a way to reduce eye care expenses. In exchange for a monthly premium, the plan picks up some of the costs of vision care.

Vision insurance is different from a vision discount plan, which offers discounts on vision care. Typically, vision discount plans cost less per year than vision insurance, but you pay more for visits and eye wear than you would with insurance.

Most adults need vision correction: 66% of Americans 18 and over report using glasses, contacts or both, according to the National Eye Institute. Depending on how often you need new lenses or eye exams, getting vision insurance may be a smart financial choice.

Vision Insurance for Everyone.

What vision insurance pays for

Vision plans often pay at least a portion of:

  • Basic preventive care such as eye exams and vision tests.
  • Eyeglass lenses.
  • Contact lenses.
  • Eyeglass frames.
  • Lens protection for glasses, such as scratch-resistant coating.
  • Many vision insurance plans have additional options for coverage, such as:
  • Daily disposable contact lens coverage.
  • Discounts on corrective eye surgery such as Lasik.
  • Vision insurance may not pay for eye care related to medical issues. If your optometrist finds medical problems during your vision exam, he or she would refer you to a medical eye doctor such as an ophthalmologist. Although vision insurance may not cover medical services for your eyes, often does.

Where to find vision insurance

You can buy individual or family vision plans through this website as you shop:

  • Make sure the provider offers plans in your area, which you typically can do by entering your ZIP code.
  • Use the provider directory to make sure the plan covers your preferred vision specialist or to find one near you.
  • If you need an eye exam, contacts or glasses soon, choose a plan that doesn’t have a waiting period.
  • Many insurers offer vision plans alongside dental insurance, so check for combination plans if you need both types.

Vision insurance costs

Many employers offer vision insurance as a benefit.

If you don’t have access to vision insurance at work, you might be able to find it for less than $20 per month. Humana offers vision insurance plans starting at $16 to $18 per month, and VSP offers plans starting at less than $17 per month per person, according to each insurer’s website.

In addition to a monthly premium, you’ll likely pay a portion of costs for visits, exams, and glasses or contacts. Typically, the higher your monthly premium, the less you’ll have to pay out of pocket for these services.

HUMANA

What are the costs of some plans?

HUMANA

Offers vision insurance plans starting at $16 to $18 per month

VPS

What are the costs of some plans?

VPS

Offers plans starting at less than $17 per month per person, according to each insurer’s website.

An insurance policy that will cover work a Dentist or Optometrist will need to perform on your teeth and or Eyes. There are several plans to choose from please contact our agents to be sure you are choosing the right one.

Save with Dental insurance

Dental insurance saves you money on the dental care you need, whether it’s cleanings, x-rays, or crowns. Check out some common dental procedure costs with and without insurance to see how dental coverage could help you.

Without Insurance:

  • Routine Adult Cleaning $124

  • Root Canal $1270

  • Dentures $1180

  • Partial Dentures $1402

With Insurance:

  • Routine Adult Cleaning $69

  • Root Canal $765

  • Dentures $808

  • Partial Dentures $902

*Examples only.

These are the average costs the patient will pay per procedure with an in-network provider and are based on averages across Atlanta, Cincinnati, Los Angeles, Manhattan and Saint Louis. Actual costs and savings may vary by provider, geographic area, and service received. There are limitations and exclusions to the discount available. For example, general anesthesia, implants, and/or cosmetic dentistry are not discounted services. Upon purchase, refer to your policy for more information on the limitations and exclusions that apply.

How are dental expenses covered?

Once you purchase a dental insurance plan and start paying your premiums, most preventive care like cleanings and check-ups are covered immediately. For more serious procedures, after you meet your deductible, you’ll only be responsible to pay your percentage of the cost. And we’ll pay the rest. Also, some dental plans have an out-of-pocket maximum to protect you from high costs throughout the year. On some plans, if you reach this maximum, we’ll pay the full cost of any additional care until your annual maximum benefit is met.

Dental costs over the year

Deductible

An amount of money you’ll have to spend before coverage kicks in.

In Network vs. Out of Network

When you pick a Dental insurance plan, you’ll have access to leading dental health professionals near you. You’ll get the most savings if you get your care from one of the dentists in your plan network. Most dental plans cover cleanings and check-ups at 100% when you go to a dentist in your plan.

Dental Plans

Different states will have different dental plans. Premiums vary by plan and location. Dental service costs and savings may vary by dentist, geographic area, and service received.  We can help you find the best plan to help cover your dental insurance needs.

Copays & Coinsurance

A Typical Plan Design

100% Preventative
80% Basic Services (Fillings, Extractions)
50% Major Services
$50 Per Member Deductible
6 – 12 Month Waiting Period (Before plan pays full amount)
$1,000 – $2,000 Maximum Out of Pocket
  • 100% – Preventative
  • 80% – Basic Services (Fillings, Extractions)
  • 50% – Major Services
  • $50 – Per Member Deductible
  • 6 – 12 Month Waiting Period (Before plan pays full amount)
  • $1,000 – $2,000 Maximum Out of Pocket