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Compare Marketplace (ACA) & Short-Term Medical options. Get real-time savings estimates. Bundle your plan with dental, vision, and critical illness coverage.
Dental & Vision Insurance Made Simple
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Marketplace (ACA) Health Insurance
Short Term Medical Insurance
What is Short-term Medical Insurance
Dental and vision insurance are specialized health plans that help cover the costs of caring for your teeth, gums, and eyes. Unlike standard health insurance (which focuses on hospital visits, doctor appointments, and prescriptions), these plans zero in on two areas of health that are often overlooked but critically important.
Why It Matters
While dental and vision plans are optional add-ons to health insurance, they play a huge role in protecting your overall well-being. Oral and eye health are closely tied to other health conditions, so regular care isn’t just about keeping your teeth white or your vision clear, it’s about protecting your future health.
Why Choose Dental & Vision Insurance
Protect your smile and your sight with affordable coverage designed for everyday health.
Preventive Care
Routine cleanings, checkups, and preventive treatments for lasting oral health.
Vision Benefits
Eye exams, glasses, and contact lens discounts to keep your sight sharp.
Affordable Premiums
Budget-friendly monthly plans that fit your lifestyle.
Nationwide Network
Access thousands of dental and vision providers across the country.
Why Protecting Vision & Smile Is Essential
Real talk: dental & vision coverage pays for preventive care now so little problems don’t become big, expensive ones later. Click a tile for details.
Oral Health Is Linked to Whole-Body Health
Gum disease is tied to heart disease, diabetes, and pregnancy risks. Cleanings help protect long-term health.
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- Routine checkups and cleanings can reduce inflammation that affects the whole body.
- Early treatment prevents costly procedures and health complications later.
Clear Vision Shapes Daily Life
Eye exams catch glaucoma, cataracts, diabetes, and high blood pressure—often before symptoms.
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- Yearly exams can reveal systemic conditions from retinal changes.
- Corrective lenses boost safety and productivity at work, school, and on the road.
Preventive Care Saves You Money
Crowns and glasses are pricey. Insurance makes checkups affordable and cushions big bills.
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- Regular cleanings, X-rays, and exams reduce the need for expensive procedures.
- Frames, lenses, and contacts are discounted under many plans.
Peace of Mind for You & Your Family
Bundle dental + vision from checkups to emergencies. One less worry—one smarter habit.
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- Coordinated benefits make it easy to schedule care for everyone.
- Coverage for routine visits and unexpected issues keeps life moving.
Dental & Vision Insurance Coverages
Preventive Care
Exams, cleanings, X‑rays to keep problems small
- Routine checkups: Typically every 6 months for an exam and cleaning to remove plaque and check for early decay.
- X‑rays: Bitewing or panoramic images as recommended to spot hidden issues before they become costly.
- Coverage level: Many plans cover preventive at or near 100% with no waiting period (plan specifics vary).
- Why it matters: Preventive visits are the cheapest way to avoid fillings, crowns, and root canals later.
Fluoride Treatments & Sealants
Extra cavity protection, especially for kids
- Fluoride varnish: Strengthens enamel to resist decay; commonly covered for children and teens.
- Sealants: Thin protective coatings over molar grooves to block bacteria where brushing misses.
- Frequency: Dentists may reapply fluoride every 3–12 months depending on risk; sealants can last years with touch‑ups.
- Cost benefit: Prevents expensive fillings by stopping cavities before they start.
Fillings & Tooth Extractions
Fix decay or remove severely damaged teeth
- Fillings: Resin/white or amalgam used to restore a tooth after decay is removed.
- Extractions: Simple or surgical removal when a tooth can’t be saved (impacted wisdom teeth included).
- Coverage tiers: Often categorized as “basic services” with coinsurance after deductible; waiting periods may apply.
- Pain management: Local anesthesia included; sedation coverage varies by plan.
Root Canals & Crowns
Save the tooth, restore the bite
- Root canal therapy: Removes infected pulp, preserves the tooth structure, and ends nerve pain.
- Crowns: Custom caps (porcelain, zirconia, metal) placed over a damaged tooth for strength and function.
- When needed: Deep decay, cracks, or after large fillings; often paired together.
- Coverage: Typically a “major service” with higher coinsurance and possible waiting periods.
Bridges, Dentures & Implants
Replace missing teeth and restore your smile
- Fixed bridges: Anchor a replacement tooth between crowns on the neighboring teeth.
- Dentures: Partial or full removable options to bring back chewing and speech clarity.
- Implants: Titanium posts act as roots; top with crowns for the most natural feel and stability.
- Coverage Notes: Often a “major service” with annual maximums and frequency limits; implant coverage varies by plan.
Orthodontics (Braces & Aligners)
Optional add‑on to straighten teeth and bite
- Appliances: Traditional brackets or clear aligners to correct crowding, spacing, and bite alignment.
- Age & limits: Many plans cover dependents; adult ortho may be limited or require a buy‑up option.
- Waiting periods: Frequently applies; lifetime orthodontic maximums are common.
- Value: Improves function and hygiene access, not just cosmetics.
Periodontal (Gum Disease) Treatment
Deep cleanings and maintenance to protect bone
- Scaling & root planing: Removes tartar below the gumline and smooths roots to help gums reattach.
- Maintenance visits: More frequent cleanings after therapy to control inflammation.
- Advanced care: Coverage may include localized antibiotics or surgery referrals depending on plan.
- Health connection: Managing gum disease supports overall health (heart, diabetes, pregnancy).
Emergency Dental Care
Immediate relief for pain, infection, or trauma
- What’s included: Urgent exams, palliative treatment, temporary restorations, and infection control.
- Common events: Severe toothaches, broken teeth, knocked‑out teeth, abscesses, or lost fillings/crowns.
- How it bills: Often covered as basic services; follow‑up definitive care may bill separately.
- Tip: Seek care within hours for the best chance of saving a tooth after trauma.
Annual Comprehensive Eye Exams
Check vision, screen eye health, and update Rx
- Vision testing: Refraction to determine glasses/contact lens prescription.
- Health screening: Checks for glaucoma, cataracts, macular degeneration, and more.
- Frequency: Typically 1 exam per 12 months; copays vary by plan.
- Why yearly: Small changes affect driving, reading, and screen comfort—especially for kids.
Prescription Eyeglasses
Allowance for frames & standard lenses
- Frame benefit: Choose from covered styles or apply an allowance toward premium brands.
- Lenses: Single‑vision, bifocal, or trifocal lenses (progressive upgrades often discounted).
- Frequency: Commonly every 12–24 months; separate from contacts benefits.
- Tip: Ask about in‑network optical shops for the best value on designer frames.
Contact Lenses
Fitting & supply allowances for lenses
- Fitting exam: Ensures lens type and curvature match your eyes for comfort and oxygen flow.
- Supplies: Allowances for daily, bi‑weekly, or monthly lenses, including toric or multifocal designs.
- Either/or: Plans often let you choose glasses or contacts benefits during a benefit period.
- Care savings: Discounts on solutions and cases at participating retailers.
Lens Enhancements
Anti‑glare, scratch‑resistant, blue‑light & progressives
- Coatings: Anti‑reflective and scratch‑resistant options keep vision crisp and lenses durable.
- Materials: High‑index, polycarbonate, or Trivex for thinner, lighter, impact‑resistant lenses.
- Upgrades: Blue‑light filtering and photochromic (light‑adaptive) lenses typically discounted.
- Progressives: Seamless near‑to‑far correction as an alternative to bifocals (upgrade fees may apply).
LASIK/PRK Savings
Member discounts or allowances at partner centers
- What you get: Reduced pricing or allowances toward laser vision correction at participating clinics.
- Eligibility: Subject to doctor evaluation and stable prescriptions; not all prescriptions qualify.
- Budgeting: HSA/FSA funds may be usable—ask about stacking savings.
- Note: Most vision plans treat LASIK/PRK as a discount program, not an insured benefit.
Children’s Exams & Glasses
Help kids see clearly for school and play
- Pediatric exams: Annual comprehensive exams to detect vision issues that affect learning.
- Glasses benefits: Covered frames and lenses sized for active kids; impact‑resistant materials recommended.
- Fit & comfort: Proper adjustments reduce headaches and squinting; replacements may be discounted.
- Tip: Schedule before school starts so kids begin the year seeing 20/20.
Nationwide Eye Doctor Network
Convenient, in‑network savings across the U.S.
- In‑network value: Lower copays and bigger allowances when you stay in network.
- Choice: Access to private practices and major retail optical chains (varies by plan).
- Out‑of‑network: Reimbursement options may be available, but benefits are typically reduced.
- Ease: Many providers can check eligibility and submit claims on the spot.
How Dental & Vision Works
Three quick steps. Smile bright, see clear.
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Choose Dental, Vision, or Both
Tell us who needs coverage, pick Dental, Vision, or a combo plan, and set your ideal start date.
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Compare Benefits, Networks & Allowances
Review premiums, annual maximums, waiting periods, and coverage levels (preventive/basic/major, ortho). For Vision, check exam copays and frame/lens/contacts allowances. Confirm your dentist & eye doctor are in-network.
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Enroll & Use Your Benefits
Finish the short application, get digital ID cards, and schedule care. Preventive dental may start Day 1; vision exams and eyewear discounts kick in per plan rules.
Understanding Key Dental/Vision Terms
Get the Most Out of Your Coverage Bundle Add-Ons for Total Protection
Save when you combine health insurance with dental, accident, vision, disability income, and more.
When life throws the unexpected your way, your health plan shouldn’t leave you with a stack of bills. Our supplemental insurance bundles give you cash benefits directly to you so you can focus on healing, not expenses.
Hospitalization Insurance
Pays YOU cash when you’re admitted to the hospital
Up to $2,000 per day for hospital stays use for rent, food, travel, or medical bills
Accident Insurance
Pays a lump sum for covered accidents like fractures, burns, or ER visits
Get up to $20,000 depending on injury severity
Critical Illness Insurance
One-time cash payout if diagnosed with serious conditions like cancer, heart attack, stroke
Up to $100,000 to help you recover without financial stress
Dental & Vision Insurance
Routine cleanings, X-rays, exams, glasses, and contacts
Save on preventive care & eyecare with network discounts
Disability Income Insurance
Replaces a portion of your income if illness or injury keeps you from working
Monthly income payments to help cover living expenses
Get the Most Out of Your Coverage Bundle Add-Ons for Total Protection
Hospitalization Insurance
Pays YOU cash when you’re admitted to the hospital
Up to $2,000 per day for hospital stays use for rent, food, travel, or medical bills
Accident Insurance
Pays a lump sum for covered accidents like fractures, burns, or ER visits
Get up to $20,000 depending on injury severity
Critical Illness Insurance
One-time cash payout if diagnosed with serious conditions like cancer, heart attack, stroke
Up to $100,000 to help you recover without financial stress
Dental & Vision Insurance
Routine cleanings, X-rays, exams, glasses, and contacts
Save on preventive care & eyecare with network discounts
Disability Income Insurance
Replaces a portion of your income if illness or injury keeps you from working
Monthly income payments to help cover living expenses
Why Bundle?
Extra coverage when your health plan stops short
Cash payouts to help with rent, bills, or recovery
One application, multiple protections
Significant savings when bundled with your core health plan
Why Choose OnePoint Insurance
Why Families choose OnePoint for Dental & Vision Insurance
Trusted carriers & nationwide network
Affordable bundle pricing
Personalized support from licensed agents
Fast, easy claims process
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Compare ACA and short-term plans side-by-side
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Ready to Protect Your Smile & Vision?
Know Your Enrollment Windows
Getting the right health coverage starts with knowing when you can enroll.
At OnePoint Insurance Agency, we guide you through your options whether you’re enrolling for the first time, switching plans, or qualifying due to a life change. Here’s how to take action based on your eligibility:
Open Enrollment (Nationwide)
🗓 Nov 1 – Jan 15
Open Enrollment (Nationwide)
🗓 Nov 1 – Jan 15
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Frequently Asked Questions (FAQs)
Do I really need dental and vision insurance if I’m already healthy?
Yes. Preventive visits catch small issues before they turn into costly problems. Even if your teeth and eyesight are fine now, coverage ensures you’re protected when things change.
Can I bundle dental and vision coverage together?
Absolutely. Many providers (like OnePoint Insurance) offer combined plans that save you money compared to buying them separately.
What does dental insurance typically cover?
Most plans cover exams, cleanings, and X-rays at 100%. Basic procedures like fillings and extractions are partially covered, while major services like crowns and dentures are often covered at a lower percentage.
What does vision insurance usually include?
Vision plans usually include annual eye exams, an allowance for glasses or contacts, and discounts on upgrades like lens coatings or LASIK.
Is there a waiting period before coverage starts?
It depends on the plan. Preventive services often have little to no waiting period, while major dental procedures may require a few months before benefits kick in.
How much does dental and vision insurance cost?
Basic plans can start as low as $15–20/month for individuals, while more comprehensive bundle plans average $30–50/month.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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