Individual dental & vision

Care for your smile.
Coverage for your sight.

Compare dental and vision plans for yourself or your family. Start with a quote, then check your providers, benefits and when coverage can begin.

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Start with a quote

Dental and vision options, in one place

Quote buttons and provider searches open the carrier or enrollment partner’s website. Select the exact plan network and confirm participation with the carrier and provider before enrolling. Availability, start dates and benefits depend on the plan you select.

Understand the difference

Dental and vision cover different needs

Dental insurance

Look at benefits by service

Plans may help with preventive care, fillings and more involved treatment. Coverage percentages, deductibles, waiting periods and exclusions differ.

  • Check the annual benefit maximum: this is generally the most the plan pays, not a limit on what you might owe.
  • Ask whether preventive care counts toward that maximum.
  • For crowns, implants or orthodontics, read the specific limits and waiting periods.

Vision insurance

Look at both exams and eyewear

Routine vision plans commonly provide an exam benefit and help toward glasses or contacts. They do not replace medical insurance.

  • Compare frame and contact allowances, copays and lens upgrade charges.
  • Check how often each benefit renews; exams and frames may have different schedules.
  • Contacts may be an alternative to glasses rather than an additional benefit.

A useful distinction

Adult benefits and children’s coverage are not the same

Do not assume your medical plan includes adult dental care or routine adult eyewear. For children, pediatric dental may be provided through a separate dental plan. Washington Healthplanfinder has specific pediatric dental enrollment rules; Apple Health includes dental benefits for eligible adults and children.

Before you enroll

A short checklist can prevent surprises

01

Confirm your provider

Ask your dental or eye-care office about the exact plan and network, then verify with the insurer. A carrier name alone is not enough.

02

Match the plan to expected care

If treatment is already recommended, request a written estimate. Compare waiting periods, benefit limits, exclusions and your share of the bill.

03

Confirm the start date

Many direct-purchase dental and vision plans can be bought year-round. Effective dates, contract terms and any waiting periods still apply.

Common questions

Know what you are buying

Can I buy dental or vision without a medical plan?

Direct-purchase standalone options are available, subject to the product’s eligibility rules. Dental purchased through Washington Healthplanfinder follows separate Marketplace enrollment rules.

Will a new dental plan pay for treatment right away?

Not necessarily. A plan may have waiting periods, phased benefits or exclusions. Even a no-waiting-period plan can have deductibles, coinsurance and annual limits.

Does vision insurance pay for every pair of glasses?

Benefits usually have allowances, frequency limits and possible upgrade charges. Read the benefit summary and ask your provider for an estimate.

Looking for employer coverage instead?

See our group dental insurance and group vision insurance pages. For medical coverage, visit individual health insurance.

Want a second set of eyes?

We can help compare your options and explain what to check before you enroll.

Schedule a coverage reviewCall (206) 653-9636

Coverage details vary by plan. Review the policy, benefit summary, network and effective date before enrolling. Information reviewed September 19, 2026.

Official resources: Dental benefits explainedDelta Dental plan questionsVSP individual vision coverageHealthplanfinder dental coverage