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Coverage

Dental & Vision Insurance

Dental and vision coverage are often sold separately from medical insurance. Standalone plans fill the gap when a medical plan doesn't include them, or add richer coverage when the embedded benefits are thin.

Most dental plans cover preventive care (cleanings, exams, x-rays) at or near 100 percent, basic restorative work (fillings, extractions) at a lower share, and major work (crowns, bridges, implants) at the smallest share — usually with a waiting period for new enrollees. Annual maximums and in-network provider lists are the two numbers to watch when comparing plans.

Vision plans typically cover an annual exam, a frame or contact-lens allowance, and lens materials, often with a modest copay. The real value depends on how often you buy glasses or contacts and whether your preferred eyecare provider is in-network.

We quote standalone dental and vision alongside your medical plan so you can compare the all-in cost of coverage. For retirees, we also quote dental and vision that pairs cleanly with a Medicare Supplement or Advantage plan.

Who it typically fits

  • Families whose medical plan excludes or thinly covers dental and vision.
  • Retirees whose Medicare plan does not include adequate dental and vision benefits.
  • Self-employed clients buying coverage outside an employer plan.
  • People who use preventive care consistently and want predictable copays.

Frequently asked questions

Are there waiting periods?+
Most dental plans apply a waiting period (6 to 12 months) before basic restorative or major services are covered. Preventive care is usually available from day one. Vision plans typically don't have waiting periods.
Can I use my own dentist?+
Most plans have an in-network and out-of-network tier. In-network keeps your cost lower. If your dentist is out-of-network, we quote plans that still provide meaningful reimbursement so you don't have to switch.
What's covered for major work like crowns or implants?+
Major services typically pay around 50 percent after the deductible, up to the annual maximum. Some premium plans raise that share and the annual maximum.
Do these plans include orthodontia?+
Orthodontia is usually a rider or a higher-tier plan with a separate lifetime maximum. We can quote plans that include it and compare the all-in cost.

Moving Mountains Advisors does not guarantee approval, rates, or outcomes. Insurance product features vary by carrier, state, age, and health. All examples above are educational and not an offer of coverage.