Start with your habits
Count the cleanings, exams and eyewear purchases your household makes in a normal year. This is the baseline any plan has to beat.
Understand the limits
Dental plans usually cap what they pay each year. Vision plans typically offer an allowance for frames or contacts, not both.
Waiting periods can apply to major dental work, so timing matters.
Everyday cover should make everyday care easier — not just cheaper on paper.
Compare premium with expected use
Add up twelve premiums and compare them with what your expected care would cost without cover. The difference is the value of the plan for you.
Questions to ask
- Are my dentist and optometrist included?
- What is the annual maximum?
- Are there waiting periods for major work?
- How often are exams and lenses covered?