Dental, Vision, and Hearing Coverage
Dental Insurance
Section titled “Dental Insurance”ACA plans only require pediatric dental coverage for children under 19. Adults must purchase dental coverage separately if they want it.
What It Covers
Section titled “What It Covers”- Preventive care: cleanings, exams, x-rays
- Basic services: fillings, extractions
- Major services: crowns, root canals, dentures, implants (varies by plan)
How It Helps
Section titled “How It Helps”- Keeps routine dental care affordable
- Protects against high costs for major dental work
- Encourages preventive care to avoid bigger problems later
Vision Insurance
Section titled “Vision Insurance”ACA plans only require pediatric vision coverage for children under 19. Adults need a separate vision plan for routine eye care.
What It Covers
Section titled “What It Covers”- Annual eye exams
- Glasses and contact lenses
- Discounts or coverage for corrective surgery (varies by plan)
How It Helps
Section titled “How It Helps”- Reduces costs for eyewear and exams
- Supports early detection of eye diseases
- Helps adults maintain clear vision affordably
Hearing Insurance
Section titled “Hearing Insurance”Hearing coverage is not included in ACA essential benefits for adults or children. Consumers can purchase standalone hearing plans.
What It Covers
Section titled “What It Covers”- Hearing exams
- Hearing aids and fittings
- Repairs and device maintenance
- Some plans include cochlear implants or advanced technology
How It Helps
Section titled “How It Helps”- Makes hearing aids more affordable (often thousands without insurance)
- Supports ongoing hearing health with exams and devices
- Improves quality of life and communication
Why Add These Supplemental Plans?
Section titled “Why Add These Supplemental Plans?”| Coverage Type | ACA Plan | Supplemental Plan |
|---|---|---|
| Dental | Pediatric only | Adult dental care, orthodontics (depends on plan), major services |
| Vision | Pediatric only | Adult exams, glasses, contacts |
| Hearing | Not included | Exams, hearing aids, device support |
How to Get Started
Section titled “How to Get Started”- Shop for standalone dental, vision, and hearing plans through private insurers or licensed agents
- Compare premiums, coverage limits, and provider networks