For Individuals & Families

Dental, vision and hearing, without the guesswork

Most health plans don't cover any of this. Here's what's actually available, what it costs, and the one thing nobody tells you before you buy.

Why this is its own decision

Health insurance was built for medical care. Dental, vision, and hearing usually sit outside it entirely, which is why a cracked tooth or a new prescription becomes a bill you pay yourself. A crown can run past a thousand dollars. Hearing aids can run several.

The number that matters more than the premium

Every plan has an annual maximum, the most it will pay toward your care in a year. If your year is cleanings and checkups, almost any plan handles it and you should buy on price. If you know a crown or a root canal is coming, the annual maximum is the number to shop, and it's where the bundled plans earn their keep.

The honest part, and nobody says this out loud

If you need major dental work right now, buying a plan today usually will not pay for it. Most plans make you wait six to twelve months before covering crowns, root canals, and dentures. There's one exception worth knowing: if you've had dental coverage for the past twelve months, that waiting period can often be waived. So if you're between plans, don't let a gap open up. And if you're shopping because something hurts today, call us before you buy anything, because we'll tell you honestly what a new plan will and won't do for you.

Standalone dental plans

Rates shown are sample starting rates for a 36 year old and vary by age, zip code, and who you cover.

  • Preventive Value

    Starting at
    $24.99/mo
    Annual maximum
    No limit
    Deductible
    $50 one-time
    Cleanings and exams
    100%
    Fillings
    50% no wait
    Crowns, root canals, dentures
    Not covered
    Extras
    Not included
    Best for
    Routine care with no annual cap

  • Bright Plus

    Starting at
    $30.99/mo
    Annual maximum
    $1,250
    Deductible
    $50 per year
    Cleanings and exams
    100%
    Fillings
    60% after 90-day wait
    Crowns, root canals, dentures
    Not covered
    Extras
    $100 whitening allowance per year
    Best for
    Routine care plus small work

  • Complete Dental

    Starting at
    $59.99/mo
    Annual maximum
    $1,250 first year then $1,500
    Deductible
    $50 per year
    Cleanings and exams
    100%
    Fillings
    80% after 6-month wait
    Crowns, root canals, dentures
    50% after 12-month wait
    Extras
    Not included
    Best for
    Bigger work ahead

Veterans and their immediate family: Bright Plus for Veterans carries the same dental coverage at the same rate, plus discount programs for prescriptions, vision, hearing, and alternative medicine. Those are discount programs, not insurance.

Bundled dental, vision and hearing

One plan, one payment, and a higher annual dental benefit per person than standalone dental.

  • Extend 2500

    Starting at
    $71.99/mo
    Dental annual maximum
    $2,500
    Implants
    50% after deductible, $2,000 lifetime maximum
    Vision exam
    $10 copay
    Frames allowance
    $100
    Contacts allowance
    $100
    Hearing aids
    $699 Advanced or $999 Premium per ear
    Whitening
    $100 per arch

  • Extend 5000

    Starting at
    $105.99/mo
    Dental annual maximum
    $5,000
    Implants
    50% first year then 60%, $4,000 lifetime maximum
    Vision exam
    $0 copay
    Frames allowance
    $150
    Contacts allowance
    $150
    Hearing aids
    Same
    Whitening
    $200 per arch

Sample rates, not a quote.

Standalone vision

Humana Vision PLUS starts at $15.49 a month and includes a $200 frame allowance, or $250 at a PLUS provider, lenses at a $10 copay, contacts with a $200 allowance, and exams every twelve months.

Sample rates, not a quote.

What you'll actually pay

These are starting points, not quotes. Your real rate depends on your zip code, your age, who you're covering, and which plan you pick. The quoting site shows your actual number in a couple of minutes, and nothing is committed until you say so.

Two ways to do this

  • Enroll yourself

    If you know what you want, quote and enroll directly. Ten minutes, and we're still your agent on the policy if you ever need us.

    Quote and enroll

  • Or talk it through first

    If you're weighing whether the higher annual maximum is worth it, that's a five minute conversation and it costs you nothing.

    Book a free consultation

Either way, our help is free. We're paid by the carriers you choose, not by you, and your price is the same whether you enroll yourself or we do it together.

Covering a team instead? See our employer benefits page.

Product availability, rates, and contracting tiers vary by carrier and state. All rates shown are sample rates.