Essential Vision and Dental Coverage
Routine eye exams and dental check-ups are essential to maintaining overall health, but medical insurance doesn’t always cover them. That’s where standalone vision and dental insurance comes in—helping you save on glasses, contacts, teeth cleanings, fillings, minor and major procedures.
Whether you need basic preventive care or more comprehensive coverage, we’ll help you find a plan that fits your budget and needs. Get expert guidance and compare top-rated vision and dental insurance plans to ensure you have the best coverage for your health and wallet. Stellar Health Benefits offers vision and dental plans from premier insurance companies in the area like Ameritas, Delta, Guardian and EyeMed.
Protect your smile and eye health with comprehensive insurance options.
What Vision & Dental Insurance Covers
All plans are different and can have different levels of coverage for preventative services and major procedures. Below are the basics, but we recommend giving us a call to get personalized recommendations for plans that cover your health needs. Our services do not cost you anything, so take advantage of our expertise!
What Dental Insurance Generally Covers
Preventative Care
Exams, cleanings, X-rays (often covered 100%)
Basic Services
Fillings, extractions, gum disease treatment
Major Services
Crowns, bridges, root canals (may have waiting periods)
Orthodontics
Some plans offer coverage for braces or Invisalign
What Vision Insurance Generally Covers
Eye Exams
Annual vision check-ups.
Glasses & Frames
Allowance for frames and lenses, sometimes including upgrades.
Contact Lenses
Coverage for lenses and fitting exams.
What to Know About Waiting Periods
Nobody likes surprises when it comes to insurance—especially when you find out you can’t use your benefits right away. That’s why it’s important to understand waiting periods for dental and vision insurance before you enroll.
A waiting period is the time you must wait after your policy starts before certain services are covered. These waiting periods vary by plan and provider, and they typically apply to major dental work and advanced vision care—not routine exams or preventive care.
Dental Insurance Waiting Periods
For dental insurance, preventive care such as cleanings, exams, and X-rays is usually covered right away. However, basic services like fillings or simple extractions might have a waiting period of three to six months, while major procedures such as crowns, root canals, and implants can require six months to a year before coverage kicks in.
Preventative Treatments
Usually Covered Immediately
Basic Services
May have a 3-6 month waiting period
Major Procedures
Often a 6-12 month waiting period
Vision Insurance Waiting Periods
Most vision insurance plans let you start using your benefits right away for routine care like eye exams, glasses, and contacts, so you won’t have to wait to update your prescription or get new frames. However, some plans may have a waiting period for certain benefits or specialized vision treatments, depending on the provider. If you're considering vision correction surgery or advanced lens options, it's always a good idea to check the details of your plan to understand when those benefits become available.
Can You Use Your Current Dentist or Eye Doctor?
Most vision and dental insurance plans have a network of preferred providers, which means you’ll save the most money by visiting an in-network dentist or eye doctor. While some plans offer partial reimbursement for out-of-network care, you may end up paying more out-of-pocket. Before making an appointment, it’s always a good idea to check with your insurance provider or directly with your doctor to confirm they accept your plan.
Need help choosing a plan? Our agents can help you compare options and maximize savings!
Stellar Health Benefits offers plans from top vision insurance companies including Ameritas, Delta, Guardian and EyeMed.
Your Stellar Health Journey Begins Here!
1
Give us a Call
Start with a free, no-obligation consultation. We’ll take the time to understand your needs and answer any questions about Medicare, individual health plans, or small business coverage.
2
Explore Your Options
We’ll walk you through plans from top insurance providers, breaking down your choices so you can find the right coverage at the right price—without the confusion.
3
Get Enrolled
Once you’ve chosen a plan, we’ll guide you through the enrollment process—making it simple, stress-free, and ensuring everything is done correctly.