For individuals & employees
Work for a small business without dental or vision? You can still get it on your own.
Plenty of good employers simply don't offer dental or vision yet. That doesn't mean you have to skip your cleanings or put off new glasses. Individual plans exist for exactly this gap, and we can walk you through what's available where you live.
Why so many small employers skip dental and vision
Group dental and vision plans usually require a minimum number of enrolled employees and an administrative setup that a very small company may not be ready for. It's rarely a statement about how much your employer cares — it's usually a size and paperwork problem. Individual plans fill that gap directly, in your name rather than your employer's.
What these plans generally cover
Dental
Typically built around preventive care — exams, cleanings and x-rays — with additional levels of coverage for basic and major work depending on the plan you choose.
Vision
Usually centered on a routine eye exam plus an allowance toward frames, lenses or contacts on a set schedule.
Individual plans are policies you own directly — not employer-sponsored coverage. Enrollment windows, underwriting and any waiting periods depend on the carrier and your state, and acceptance is not automatic.
An individual plan vs. going without
General comparison only. Covered services, allowances, waiting periods, exclusions, limitations and rates vary by carrier and state, and no savings or rates are guaranteed.