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Health and Life

Dental & Vision Insurance in Minnesota

Standalone dental and vision plans for individuals, families, and groups.

Most medical plans do not cover adult dental or vision, which people find out at the worst moment.

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Written by Pat Bernauer, licensed Minnesota insurance agent (NPN 32897) · Updated

The short answer

Most medical plans stop at the mouth and the eyes for adults, and Medicare does not cover routine dental — cleanings, fillings, extractions, dentures — at all. A standalone dental or vision plan fills that in for individuals, families and employee groups. We tell you when a plan’s waiting periods and annual maximum make it worth carrying, and when paying the dentist directly is the better deal.

Medicare and dental:
no coverage for routine cleanings, fillings, extractions, dentures or implants — Medicare.gov

How we can help

Small policies and quick to place. Tell us who needs covering and we will send options back.

  • Compare standalone dental and vision plans for an individual, a family or a group.
  • Check the waiting periods before you buy — that is where these plans differ from each other most.
  • Confirm your dentist and your optometrist are in network.
  • Get it in force, usually within a few days.

You’ll work with Pat or Spencer directly. Whoever quotes it is the person who answers when you call about it later.

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Step 1 of 2

What You're Looking ForEverything on this step is optional. Fill in what you know.

Full name and date of birth for each person, including yourself.

Braces, a crown, implants, new glasses. This decides which plans are actually worth quoting.

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More about Dental & Vision Insurance

Preventive care — cleanings, exams, x-rays — is usually covered at or near a hundred percent, because carriers would rather pay for a cleaning than a root canal. Basic work like fillings sits in the middle, and major work like crowns, bridges, and dentures is covered at a lower percentage. Nearly every plan has an annual maximum, and it is lower than people expect.

  • Individual and family dental plans
  • Vision exams, frames, and contact allowances
  • Preventive, basic, and major dental coverage
  • Plans with reduced or waived waiting periods
  • Orthodontic coverage options
  • Group dental and vision for employers
  • Network checks for your current dentist or optometrist

Many dental plans make you wait six to twelve months before covering major work. If you already know you need a crown, that detail matters more than the monthly premium. Some plans waive waiting periods if you are coming off prior coverage. Tell us what you know you need and we will find the plan that actually covers it.

Vision plans are simple: an annual exam, an allowance toward frames or contacts, and a discount on lenses. If anyone in your household wears glasses, the math usually works out in your favor. If nobody does, it is reasonable to skip it.

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