Benefits · Stand-alone cover
Dental and vision, and what an allowance really covers
Two of the most oversold benefits in the business. Here is what the plans pay, what the annual maximum means, and when paying cash is simply cheaper.
In plain words
Read the maximum, not the marketing
Dental plans are built around an annual maximum and a waiting period. Below the maximum they work well for cleanings, fillings and the everyday work. Above it — a crown, an implant, a bridge — most of the bill is still yours, and the plan's value is the negotiated price rather than the payout.
Advantage dental allowances follow the same logic in a different wrapper: a fixed pot per year, sometimes per category, often needing an in-network dentist. A large advertised number is not the same as a large amount of dentistry.
- Annual maximums, waiting periods and category limits, stated plainly
- Your dentist and optometrist checked against the network before you buy
- A frank comparison against simply paying the cash price for light usage
- How an Advantage allowance differs from a stand-alone dental plan
What we handle
What we place, and what we talk you out of
Stand-alone dental
Preventive, basic and major cover with the waiting periods stated up front.
Vision plans
Exams, frames and lens allowances, and whether your optometrist takes them.
Advantage allowances
What the plan's dental pot really covers, and which dentists accept it.
Discount schemes
Not insurance. Occasionally useful, frequently mis-sold, always explained.
Questions
What people ask us about this
For regular preventive care and the occasional filling, usually yes. If you are planning an implant or a bridge, work the sums first: the annual maximum on most plans will not carry the job, and the value is mostly the network price.
Original Medicare does not cover routine dental care. Many Advantage plans include an allowance, and stand-alone dental plans exist for people who keep Original Medicare with a Supplement.
Because otherwise people would buy the plan the week before major work and cancel afterwards. Waiting periods are usually six to twelve months for major services, and some plans waive them if you had prior cover.
Talk it through with a person
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