Dental & vision
Dental and vision coverage
For adults, dental and vision are not among the essential benefits every health plan must cover. They usually come as separate plans.
Children and adults are treated differently
Dental coverage is an essential health benefit for children, so it must be available to them through the Marketplace — though you are not required to buy it. Children's vision care is an essential benefit as well.
For adults, health plans do not have to offer dental coverage at all.
Two ways to get dental coverage
Some Marketplace health plans include dental. You can also buy a separate dental plan; through the Marketplace, a separate dental plan can be bought only together with a health plan.
Separate plans for adults can have waiting periods before certain services are covered, and their premium is paid in addition to your health plan's.
We also help with individual dental and vision plans sold directly by insurance companies. Ask us which route fits you.
What we look at with you
- How you actually use care: cleanings and exams, fillings, major work, glasses or contacts.
- Waiting periods, yearly maximums, and what counts toward them.
- Whether your dentist or eye doctor is in the plan's network.
Talk it through before you choose.
Tell us the best time to reach you. We will call you back in English or Spanish.