Why Dental Insurance Matters
Regular dental care is more than cleanings. It helps prevent costly issues like gum disease, root canals, and tooth loss. A good dental insurance plan can help reduce out-of-pocket costs.
The right plan will balance low waiting periods, high annual maximums, and flexibility to see your dentist of choice:
Preventive services
cleanings, exams, X-rays
Basic care
fillings, extractions
Major procedures
crowns, dentures, implants
Dental Plans Available in Your Area
Based on the top carriers, here are some of the best options:
Ameritas Dental Insurance
- No waiting period on most services
- High annual maximums ($2,000–$3,000)
- Access to the large Ameritas PPO network
Physicians Mutual Dental Insurance
- No yearly cap on coverage
- One-year waiting period on major services
- Uses the Ameritas PPO network
Delta Dental
- Large national network
- Annual maximum applies
- Waiting periods apply for major work
Pro Tip: All of these are PPO plans, meaning you can visit any dentist; even if they’re not in-network! Choosing an in-network dentist usually means lower copays and reduced costs.
Why Vision Insurance Matters
Vision insurance is often overlooked, but it’s just as crucial as dental coverage. Regular eye exams don’t just update your glasses prescription. Still, they can also detect early signs of diabetes, high blood pressure, and other health issues.
Here’s why having vision coverage is smart:
Affordable Eye Exams
Routine exams are usually covered or have a small copay.
Glasses & Contacts
Plans typically help cover frames, lenses, and contacts.
Preventive Health
Eye doctors can catch medical conditions early through eye exams.
Network Savings
Vision plans provide access to large networks of optometrists and ophthalmologists.
Why Vision Should Be Bought Separately
Some dental carriers let you “add on” vision insurance as a rider, but those benefits are usually limited. To get the best coverage, it’s recommended to buy vision as a standalone plan.
Frequently Asked Questions
Can I keep my current dentist?
Yes! These PPO plans allow you to keep your dentist. In-network dentists save you money, but you can still use your current dentist even if they’re out of network.
Which plans have no waiting period or no annual cap?
- Ameritas: No waiting period, high cap
- Physicians Mutual: No annual cap, 1-year wait for major work
How to Enroll
We make enrollment simple:
Ameritas Dental Insurance
Enroll online instantly using this link:
Physicians Mutual & Delta Dental
Enrollment can be done quickly over the phone! Get In Touch with us and we can help you enroll in less than 10 minutes!
VSP Vision Insurance
Enrollment can be done quickly over the phone! Get In Touch with us and we can help you enroll in less than 10 minutes!
Final Thoughts
Dental and vision insurance are essential parts of protecting your health and your wallet. By choosing a strong PPO dental plan and purchasing vision separately, you’ll get the best coverage at the best value.
Ready to get started? Click an enrollment link above or reach out today.
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