Dental — what's typically covered
- Preventive (cleanings, exams, X-rays): usually 100% covered, no waiting period.
- Basic (fillings, extractions): 70–80% covered, sometimes after a short waiting period.
- Major (crowns, root canals, dentures): 50% covered, typically after 6–12 months on the plan.
- Orthodontics: usually not covered for adults; some plans offer it as a rider.
Typical cost: $15–$50 per month for an individual.
Vision — what's typically covered
- One eye exam per year (usually fully covered after a small copay).
- Frames allowance — typically $100–$200 every 12–24 months.
- Lenses (single, bifocal, progressive) at a discount.
- Contacts in place of frames, with an allowance.
Typical cost: $8–$20 per month for an individual.
When to add them
- Add dental if you'll get the two cleanings, plan to address one or more fillings, or have kids whose teeth are still developing.
- Add vision if you wear glasses or contacts, or expect a prescription change.
- Skip if you genuinely won't use them — paying $300/year for $200 in benefits isn't insurance, it's a fee.
How the quiz handles this
Question 3 of the plan finder asks exactly this — and the recommendation includes a dental or vision rider when it fits your usage profile.