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Dental and Vision

Choose the Way That Works Best for You

Review your dental and vision options online in just a few minutes, or have me guide you through the process and help answer your questions. I'm here to make finding coverage simple and easy to understand.

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Dental and Vision Carriers

CarrierPlan Type & Deductible RulesNetwork & Core StrengthsAction
AmeritasDental Plan (+ Vision Add-on): $0 Preventive Deductible.Top Network & Lifetime Implants: Premier PPO network. Continuous lifetime implant coverage. Waives waiting periods for recent coverage loss (30–60 days).Apply Online Now
AllstateDental Plan (+ Vision Add-on): $0 Preventive Deductible.Pre-existing Missing Teeth: Massive national network. Continuous lifetime implant coverage. Covers pre-existing missing teeth after 2 years.Apply Online Now
ManhattanLife SelectAdvanced DVH Plan / Options: $0 Deductible Option available.All-in-One with Implants: Premium tier. Includes vital implant benefits capped at a maximum lifetime benefit amount.Apply Online Now
ManhattanLifeStandard DVH Plan: Fixed $100 deductible per person.Budget-Conscious All-in-One: Combined Dental, Vision, and Hearing policy with competitive monthly rates. No Implant Coverage.Apply Online Now
Mutual of OmahaDental Plan (+ Vision Add-on): $0 Preventive Deductible.Trusted Brand Name Network: Renowned national network with immediate day-one options. Implants are covered up to a maximum lifetime benefit amount. (Basic vision option).Call to Enroll
AetnaDVH Plan: $0 Deductible Options available on select plans.Household PPO Network: Industry-leading PPO network for Dental, Vision, and Hearing. Aetna Select plans include implant coverage up to a maximum lifetime benefit amount (where available in certain states). Other Aetna DVH plans have No Implant Coverage.Call to Enroll
HealthSpringDVH Plan: $0 Deductible Option available.No Waiting via Waiver: Complete Dental, Vision, and Hearing package. No Implant Coverage. Waives waiting periods if transitioning from recent coverage loss (30–60 days).Call to Enroll

  • Ameritas

    Plan Type & Deductible Rules

    Dental Plan (+ Vision Add-on): $0 Preventive Deductible.

    Network & Core Strengths

    Top Network & Lifetime Implants: Premier PPO network. Continuous lifetime implant coverage. Waives waiting periods for recent coverage loss (30–60 days).

    Apply Online Now

  • Allstate

    Plan Type & Deductible Rules

    Dental Plan (+ Vision Add-on): $0 Preventive Deductible.

    Network & Core Strengths

    Pre-existing Missing Teeth: Massive national network. Continuous lifetime implant coverage. Covers pre-existing missing teeth after 2 years.

    Apply Online Now

  • ManhattanLife Select

    Plan Type & Deductible Rules

    Advanced DVH Plan / Options: $0 Deductible Option available.

    Network & Core Strengths

    All-in-One with Implants: Premium tier. Includes vital implant benefits capped at a maximum lifetime benefit amount.

    Apply Online Now

  • ManhattanLife

    Plan Type & Deductible Rules

    Standard DVH Plan: Fixed $100 deductible per person.

    Network & Core Strengths

    Budget-Conscious All-in-One: Combined Dental, Vision, and Hearing policy with competitive monthly rates. No Implant Coverage.

    Apply Online Now

  • Mutual of Omaha

    Plan Type & Deductible Rules

    Dental Plan (+ Vision Add-on): $0 Preventive Deductible.

    Network & Core Strengths

    Trusted Brand Name Network: Renowned national network with immediate day-one options. Implants are covered up to a maximum lifetime benefit amount. (Basic vision option).

    Call to Enroll

  • Aetna

    Plan Type & Deductible Rules

    DVH Plan: $0 Deductible Options available on select plans.

    Network & Core Strengths

    Household PPO Network: Industry-leading PPO network for Dental, Vision, and Hearing. Aetna Select plans include implant coverage up to a maximum lifetime benefit amount (where available in certain states). Other Aetna DVH plans have No Implant Coverage.

    Call to Enroll

  • HealthSpring

    Plan Type & Deductible Rules

    DVH Plan: $0 Deductible Option available.

    Network & Core Strengths

    No Waiting via Waiver: Complete Dental, Vision, and Hearing package. No Implant Coverage. Waives waiting periods if transitioning from recent coverage loss (30–60 days).

    Call to Enroll

Availability, plan designs and pricing vary by state and by carrier. Online dental enrollment is available in 39 states; it is not available in CT, VT, UT, HI, WY, WV, RI or NH.

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Insurance Companies

Who the plans come from.

My goal is to compare available options in your area.

Enroll online, network check included

Agent-assisted, we do it together

Self Enroll

Ameritas carries a large dental network, which is often what decides it for people who want to keep the dentist they already have. Manhattan Life and Allstate round out the online options. On all three, the enrollment link checks whether your dentist participates before you commit to anything.

Call To Enroll

Healthspring and Aetna draw on similar networks, so if your dentist is in one, there’s a reasonable chance they’re in the other. Mutual of Omaha uses a different network, which makes it worth checking separately. Sometimes it’s the one that has your dentist when the others don’t.

Reading a plan

Six things to compare first.

Premium is the easiest number to compare and the least informative one on its own. These are the parts to read first.

Tier 1Preventive care
Cleanings, exams, routine X-rays. Most dental plans cover these at the highest level, and often with no waiting period. This is the part that pays for itself if you go twice a year.
Tier 2Basic care
Fillings, extractions, and similar everyday work. Plans typically cover a share of the cost rather than all of it, and a waiting period may apply before you can use it.
Tier 3Major care
Crowns, bridges, dentures, root canals. Covered at a lower share than basic care. This is where waiting periods are longest, which is why a plan bought the month before a big procedure often won’t help with it.
The ceilingAnnual maximum
The most the plan will pay toward your care in a plan year. Once you reach it, further costs that year are yours. Comparing two plans without comparing their annual maximums tells you very little.
The waitWaiting periods
How long you have to hold the plan before a given tier of care is covered. They vary by plan and by tier, and they are the single most common surprise worth reading before you enroll, not after.
The listNetwork
Whether your dentist participates. Staying in network costs less; some plans cover out-of-network care at a reduced level and some don’t cover it at all. Check your own dentist before anything else.
Compare plans

On Medicare?

Dental coverage that works with your Medicare plan.

Original Medicare doesn’t cover routine dental care. A standalone plan is how most people on Medicare deal with that.

Alongside a Medicare Advantage plan

Many Advantage plans include some dental benefit, but what’s included varies and it may not go as far as you need, particularly on major work. A standalone dental plan can sit alongside your Advantage plan and cover more than it does on its own. Worth comparing what your plan already gives you before adding anything.

About Advantage plans

Alongside Original Medicare or a Supplement

Neither Original Medicare nor a Medicare Supplement covers routine dental care; a Medigap policy exists to cover Medicare’s own cost-sharing, and dental sits outside that entirely. A standalone dental plan is the straightforward way to add it.

About Supplement plans

Questions

Questions about dental & vision.

Can I buy dental coverage any time of year?

Dental and vision plans generally aren’t tied to an annual enrollment window the way medical coverage is, so you can usually start one when you decide to. That’s different from Medicare and from Marketplace medical plans.

I have a procedure coming up. Will a new plan cover it?

Often not, because of waiting periods; major work usually has the longest one. It’s the first thing to check, and I’d rather tell you the honest answer before you buy than have you find out afterwards.

Is vision included, or separate?

It depends on the plan. Some are dental-only, some bundle in a vision benefit, and some vision coverage is sold on its own. Tell me whether you want eyes, teeth, or both, and I’ll show you what fits.

Can I keep my dentist?

If they’re in the plan’s network, yes, and the online enrollment link checks that for you before you commit. If they’re not, we look at what the plan pays out of network; sometimes it still works, sometimes it doesn’t.

Does it cost extra to enroll through you?

No. The premium is the same either way. Enrolling online yourself is genuinely fine; I’m here for the plans that need a conversation, and for afterwards.

Get in touch

Who is your dentist?

That one answer narrows the whole thing down. Call or text and we'll have it sorted in a few minutes.

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