Who this coverage may be designed for
- Individuals without employer dental or vision coverage
- Medicare beneficiaries reviewing separate coverage
- Families comparing routine-care benefits
Routine care and cost-sharing vary by plan
Dental and vision insurance
Standalone dental and vision plans may help with routine exams and specified services. Benefits, waiting periods, networks, annual limits, and exclusions vary.
What it generally covers
- Routine exams and cleanings, subject to plan terms
- Basic or major dental services at plan-defined levels
- Eye exams, lenses, or frames according to allowances
Important limits and enrollment considerations
- Annual maximums and waiting periods may apply
- Implant and major-service coverage varies
- Discount plans are not insurance
Ask before you decide
Frequently asked questions about dental and vision insurance
Does guidance cost me anything?
No additional fee is charged to you for O'Neal Insurance Group's guidance. Agents may be compensated by an insurance carrier when an enrollment occurs.
Is every plan available through the agency?
No. The agency does not offer every plan available in every area. Availability depends on location, eligibility, carrier appointment, and product availability.
Official resource
Check the source, then ask for personal help
Educational information is general. A licensed agent can help with plan comparisons; agents do not provide medical, legal, or official eligibility advice.
Personal guidance · No additional fee