Dental and vision insurance is a single insurance plan that includes coverage for both dental services and vision care. Traditional medical insurance does not include coverage for typical oral health procedures or glasses and contacts. As a result, consumers must buy separate insurance for these. The good news is that new products are on the market that combine dental and vision benefits within a single plan, making coverage simpler and saving money.
In this article, we’ll give you answers questions like:
As assumed, a bundled plan provides coverage for both dental and vision services. Why these benefits can vary from plan to plan, it is common to see coverage for the following items:
Dental
Vision
Bundled plans typically have different yearly limits on dental and vision care in a year. For example, the annual threshold for covered dental care may be $2,500 in one plan but the vision benefits in that same plan may have a limit of $400.
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Plans that combine dental and vision coverage differ in price. Some of the major factors influencing the monthly premium are:
To see what combination plans might be available in your area, go to our dental insurance quote page and enter in your information and then compare prices.
While a bundled dental plan may be more expensive than a plan with only dental benefits, you can save money versus having two separate policies. The key to savings is comparison shopping and finding an apples-to-apples comparison. What is meant by an “apples-to-apples comparison”? An apples-to-apples comparison is a comparison where the benefits are the same between a bundled plan and two separate vision and dental insurances. If the features are not the same, it’s harder to get a sense of value. For example, if stand-alone vision and stand-alone dental plan have a combined monthly cost of $70, is it a better value than a bundled plan with lower copayments and higher annual limits that charges a monthly premium of $80?
Another advantage to owning a single plan for both dental and vision benefits is that there is a single monthly premium, giving you less paperwork. Additionally, there is also a single customer service number for issues on either category of benefits.
Dental and vision bundles are not available in every area. To see if there are options in your region, our dental insurance quote page. When reviewing the plans in your region, pay close attention to the information next to the label “Plan Type”. If the plan has additional benefits, it will indicate it with a statement such as “Dental PPO + Vision”. The plan name may also indicate a bundle, as is the case for “Cigna Dental Vision Hearing 3500”.
Below are three different insurance options with dental and vision benefits offered on DentalInsurance.com. Compare all the features to find the best dental and insurance bundle for your needs.
| Cigna Dental Vision Hearing 3500 | Humana Extend 2500 | Humana Extend 5000 | |
| Dental | |||
| Network Type | PPO | PPO | PPO |
| Annual exam coverage | 100% cost coverage for exams every 6 months | 100% cost coverage for exams every 6 months | 100% cost coverage for exams every 6 months |
| Fillings coverage | 80% cost coverage after deductible | 80% cost coverage after deductible | 80% cost coverage after deductible |
| Root canals | 50% cost coverage after deductible | 50% cost coverage after deductible | Year 1: 50% cost coverage after deductible. Year 2: 60% cost coverage after deductible |
| Crowns | 50% cost coverage after deductible | 50% cost coverage after deductible | Year 1: 50% cost coverage after deductible. Year 2: 60% cost coverage after deductible |
| Dental implants | 50% cost coverage after deductible, with up to $2000 lifetime maximum | 50% cost coverage after deductible | Year 1: 50% cost coverage after deductible. Year 2: 60% cost coverage after deductible |
| Annual maximum benefit for dental care | $2500 per enrollee per calendar year. $2000 enrollee, implant lifetime maximum | $2,500 per calendar year, per enrollee for Dental preventive, basic and major services. $1000 per person, implant annual maximum. $2000 per person, implant lifetime maximum | $5000 per calendar year, per enrollee for Dental preventive, basic and major services. $2000 per person, implant annual maximum. $4000 per person, implant lifetime maximum |
| Annual dental deductible | $100 per enrollee per year for basic and major dental services | $75 per enrollee per year for preventive, basic and major services. | $75 per enrollee per year for preventive, basic and major services. |
| Waiting periods | 6 months for major dental work and 12 months for implants | Preventive: None. Basic: 3 months. Major: 12 months | Preventive: None. Basic: 3 months. Major: 6 months |
| Vision | |||
| Annual eye exam | 90% of cost covered (up to $100 per calendar year) | $10 copayment | $0 copayment |
| Glasses (lenses or frames) | Up to $300 per calendar year (this limit is for combined for glasses and contact lenses) | $25 copayment. $150 frame allowance. | $25 copayment. $150 frame allowance. |
| Contact lenses | Up to $300 per calendar year (this limit is for combined for glasses and contact lenses) | $150 allowance. | $150 allowance. |
| Deductible | None | None | None |
| Waiting periods | None | None | None |
| Notes | Additional savings on vision-related purchases when visiting participating vision centers and professionals. | Additional hearing coverage benefits included | Additional hearing coverage benefits included |
Our knowledgeable customer service team will assist you with any questions you may have prior to enrolling in a dental plan. They can guide you through the process of choosing coverage that matches your needs as well as your budget.
