Most major medical plans in Florida do not include adult dental or vision — and the cleanings, fillings, glasses, and contacts add up fast. Standalone dental and vision plans cover the routine care that keeps small problems from becoming big medical bills. Affordable, immediate-effective options for individuals, families, and Medicare beneficiaries.
Three plan tiers, three real-world budgets
Basic — $15–$25/mo
Preventive only: 2 cleanings, 2 exams, x-rays, and basic vision (annual eye exam, $100–$150 frame allowance). Best for healthy adults who just want clean teeth and updated glasses each year.
Mid-tier — $30–$45/mo
Preventive + basic restorative: fillings, simple extractions, root canals at 50–80% coinsurance. Vision adds contact-lens allowance and progressive lens upgrades. The sweet spot for most families.
Premium — $50–$75/mo
Full coverage including major services (crowns, bridges, implants, dentures) and orthodontics for kids or adults. Vision benefit covers premium frames and anti-glare/blue-light lenses. Worth it if you know dental work is coming.
What’s actually covered — the four core services
Cleanings & preventive exams
2 per year per person, covered at 100% on virtually every plan with no waiting period. Most plans also include 1–2 sets of x-rays annually.
Fillings & basic restorative
Composite (white) and amalgam fillings, simple extractions, basic periodontal scaling. Usually 70–80% coinsurance after a small deductible.
Annual eye exams
Comprehensive vision exam with refraction once every 12 months, $0–$50 copay. Includes glaucoma and retinal screening on most plans — an early-detection benefit beyond just glasses.
Lenses, frames & contacts
Frame allowance ($100–$200), single-vision or progressive lenses with optional upgrades, or contact-lens allowance ($120–$200) in lieu of frames. Renews every 12 or 24 months depending on the plan.
Watch out for waiting periods: Many lower-cost dental plans require 6–12 months of premiums before covering basic services and 12–24 months before major work like crowns or implants. If you already know you need a crown, we’ll point you toward no-waiting-period plans — even if they cost a few dollars more per month.
Can I add dental and vision to my ACA plan?
Yes. You can buy a standalone dental or vision plan on the Marketplace (some are even subsidy-eligible for kids), or off-Marketplace through carriers like Humana, Delta Dental, VSP, EyeMed, and Renaissance. We compare both routes.
Do these plans work with my current dentist?
Most Florida dentists are in at least one major network (Delta, Cigna, MetLife, Humana, United Concordia). Before enrolling I confirm your dentist accepts the plan and quote in-network vs. out-of-network costs.
Is dental insurance worth it if I just get cleanings?
Often yes — two cleanings a year out-of-pocket runs $250–$400. A $15/mo plan that covers 100% preventive plus exams pays for itself, and the moment you need a filling you’re way ahead.
Can my kids get orthodontics covered?
Yes, on premium plans — usually 50% coinsurance up to a $1,500–$2,500 lifetime ortho max per child, no waiting period on plans designed for families. Adult orthodontics is available on a smaller subset of plans.
Can I enroll any time of year?
Yes. Standalone dental and vision plans are not tied to ACA Open Enrollment — you can enroll year-round. Coverage typically starts the 1st of the following month.
Disponible en español?
Sí — ofrecemos servicio completo en español y comparamos planes de dental y visión para toda la familia.
Smile, see, save.
Tell me how often you visit the dentist and whether you wear glasses or contacts — I’ll match you to the lowest-cost plan that actually delivers. Quotes in 10 minutes.