Dental & Vision

Standard health insurance plans — including marketplace plans — generally do not include routine dental or vision care for adults. Cleanings, X-rays, fillings, eye exams, glasses, and contacts are typically excluded, which means going without a standalone dental or vision plan usually means paying those costs entirely out of pocket.

Standalone dental and vision plans are affordable, straightforward, and easy to set up. Harry works with carriers offering individual and family coverage that covers:

• Preventive dental care (cleanings, exams, X-rays)
• Basic and major restorative services (fillings, crowns, root canals)
• Orthodontics (select plans)
• Annual eye exams
• Prescription eyeglasses or contact lens allowances

Many of these plans have self-enrollment portals — you can compare and enroll online in minutes, or Harry can walk you through the options and make sure you're not over-insuring or under-insuring for what you actually need.

Original Medicare (Parts A and B) does not cover routine dental exams, cleanings, fillings, or dentures, and it does not cover routine eye exams or glasses and contacts. Some Medicare Advantage plans include limited dental and vision benefits, but the scope varies widely between plans and carriers. What looks like solid coverage on paper sometimes turns out to be quite limited in practice, especially for major dental work.

Standalone dental and vision plans fill this gap affordably and are available year-round, unlike Medicare itself. Dental plans typically cover preventive care, basic restorations, and sometimes major work like crowns or dentures. Vision plans usually cover your annual exam plus an allowance toward glasses or contacts. Harry reviews the plans available in your area and helps you find coverage that actually works with the providers you already use.