Routine care health insurance doesn’t always cover.
Standalone or bundled, affordably covered with no surprises.
Key Features of Dental and Vision Plans
Covered preventative care and more.
Annual eye exams
Most vision plans cover a routine eye exam and include an allowance toward glasses or contact.
Routine cleanings
Most dental plans cover preventive care, like cleanings and exams, at little or no cost when you use in-network dentists, often with no deductible.
Protecting your health
Regular dental and eye care can help catch problems early, when they’re often easier and less costly to treat.
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For most adults, both are worth carrying — but vision insurance is particularly hard to justify skipping given its low premium cost and the widespread need for corrective lenses. If you have excellent teeth and rarely need dental work beyond preventive care, a discount dental plan may be more cost-effective than full dental insurance. If you genuinely have no vision correction needs and see an eye doctor infrequently, vision insurance may not return its premium. For most people, both make sense — the combined cost is modest and the coverage addresses two near-universal needs.
Standalone dental and vision plans are generally available for purchase year-round — they're not subject to ACA Open Enrollment windows. You can enroll whenever your coverage needs change, though some dental plans impose waiting periods for major services regardless of when you enroll. If you're adding dental and vision alongside a Marketplace health plan during Open Enrollment, you can bundle the enrollment process — but the flexibility to add them later exists year-round.
Standard ACA Marketplace plans do not include routine adult dental or vision benefits. Pediatric dental and vision are required for children under 19, but those benefits apply only to dependents in that age range. Some insurers offer standalone pediatric dental plans through the Marketplace as a separate product. For adults, standalone plans purchased separately from your health plan are the standard path to dental and vision coverage.
For vision, most plans allow you to schedule an appointment with any in-network provider and use your benefits immediately once coverage is active — there are generally no waiting periods for vision plans. For dental, preventive care (cleanings and exams) is typically available immediately. Basic and major restorative services are often subject to waiting periods of 6 to 12 months on plans that include them, so if you need significant dental work soon, reviewing the waiting period terms of any plan you're considering is essential before enrolling.
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