Your Local Guide to Dental & Vision Insurance in Kansas City
Most health insurance plans (including Medicare) do not include routine dental and vision coverage. AIS Health Insurance Advisors helps Kansas City residents find standalone dental and vision plans that fit their needs and budget.
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Understanding Dental & Vision Insurance
Original Medicare does not cover routine dental care, eye exams, or eyeglasses. Some Medicare Advantage plans include limited dental and vision benefits, but the coverage is often restricted in scope. For many people, a standalone dental or vision plan provides more comprehensive and predictable coverage.
Dental insurance typically covers preventive care (cleanings and X-rays) at 100%, basic services (fillings and extractions) at a partial rate, and major services (crowns and root canals) at a lower rate, up to an annual maximum. Vision insurance generally covers an annual eye exam and provides an allowance toward glasses or contact lenses.
Standalone dental and vision plans are available for individuals, families, and Medicare enrollees. Premiums vary based on the level of coverage, the carrier, and whether you want dental only, vision only, or a bundled plan.
Questions about Dental & Vision Insurance? Call us now or message us to request a quote
Who Is This For
- Medicare enrollees whose Advantage plan does not include dental or vision coverage, or whose coverage is limited
- Individuals and families whose health insurance plan does not include dental or vision benefits
- Self-employed individuals who need to purchase dental and vision coverage independently
- People who are between jobs and need to maintain dental and vision coverage
- Anyone who wants a standalone plan with more comprehensive dental coverage than what is included in a bundled health plan
- Small business owners who want to offer dental and vision benefits to employees
How AIS Helps with Dental & Vision Insurance
We compare standalone dental and vision plans from multiple carriers to find the best fit for your needs and budget.
We explain the difference between indemnity dental plans and dental HMO/PPO networks.
We help you understand annual maximums, waiting periods, and what is covered at each benefit tier.
We verify that your preferred dentist and eye doctor are in-network before recommending any plan.
We identify whether a bundled dental and vision plan or separate standalone plans make more sense for your situation.
We are available year-round to answer your questions and make sure you're getting the most out of your plan.
Why Work With AIS Health Insurance Advisors
Dental and vision coverage is often an afterthought…until you need it. A single crown or a new pair of progressive lenses can cost hundreds of dollars out of pocket. AIS Health Insurance Advisors helps you find coverage that makes routine and unexpected dental and vision care more affordable.
We are independent advisors, which means we compare options across the market and recommend only what makes sense for your situation. We serve clients throughout the Kansas City metro area from our office in Overland Park.
Our services are are provided at no cost to you. There is no fee to compare plans and no obligation to enroll.
Frequently Asked Questions About Dental & Vision
Does Medicare cover dental and vision?
Original Medicare (Parts A and B) does not cover routine dental care, eye exams, or eyeglasses. Some Medicare Advantage plans include limited dental and vision benefits. If your current plan does not include these benefits, a standalone dental or vision plan may be a good option.
Are there waiting periods for dental insurance?
Many dental plans have waiting periods for major services like crowns or root canals to prevent people from signing up only when they need expensive work. Preventive care is usually covered from day one. We will clarify any waiting periods before you enroll.
Can I keep my current dentist?
It depends on the plan. PPO dental plans allow you to see any dentist, though you pay less when you use an in-network provider. HMO dental plans require you to choose a dentist from the plan’s network. We verify your dentist’s participation before recommending any plan.
Is vision insurance worth it?
For most people who wear glasses or contacts, vision insurance pays for itself quickly. A single comprehensive eye exam plus a new pair of glasses can easily exceed the annual premium of a vision plan. We can help you compare the cost of a plan against your expected annual vision expenses.
Have more questions? Call us at 913-333-8627 — we’re happy to talk through your situation.
Add Dental & Vision Coverage with Confidence
We’ll help you compare plans and choose coverage that fits your needs and budget. Reach out to connect with a local advisor.