Dental & Vision Insurance for Individuals and Families

Protecting your smile and your sight shouldn’t be an afterthought. At Western Wind Insurance & Investments, we help individuals and families find dental and vision coverage that fits their needs — with or without a major medical plan.

Why Dental & Vision Insurance Matters

Routine dental and eye care play a big role in long-term health — and most major medical plans don’t include them.


Dental and vision insurance can reduce your out-of-pocket costs for preventive services and give you peace of mind if you need more serious treatment down the road. These plans are especially helpful for people who don’t have coverage for preventive services like dental cleanings and eye exams, and want to avoid expenses for more extensive treatments.


Note: ACA Marketplace plans provide basic dental and vision coverage for children.

What Do Dental Plans Cover?

Dental plans typically include three tiers of coverage:


  • Preventive care: Exams, cleanings, and x-rays (often 100% covered)
  • Basic care: Fillings, extractions, and simple procedures
  • Major care: Crowns, root canals, dentures, or oral surgery


Many plans include waiting periods for basic and major services. Some also offer orthodontic benefits, especially for children.

What Do Dental Plans Cover?

Vision insurance is often very affordable and covers:


  • Regular vision checks: Routine eye exams
  • Vision correction: Prescription glasses or contact lenses
  • Special services: Discounts on LASIK or specialty lenses
  • Access to retail or provider networks


Some plans include coverage for medical eye care, though more advanced treatments may fall under your medical insurance.

How to Choose a Plan

When comparing plans, consider:



  • Provider network: Are your dentist or eye doctor in-network?
  • Coverage levels: Look at annual limits, copays, and coinsurance for basic and major services.
  • Waiting periods: Some plans don’t cover major services right away.
  • Bundled options: Some insurers offer dental + vision plans together for convenience.


We can help you purchase dental and vision plans year-round — no need to wait for open enrollment.

Dental & Vision Insurance FAQ

  • Can I buy dental or vision coverage without health insurance?

    Yes, these plans are available on their own and can be purchased at any time of year.

  • Are pediatric dental and vision included in ACA health plans?

    Yes, for children under 18. Adult dental and vision coverage must be purchased separately.

  • Will I have to wait to get coverage for major dental work?

    Some plans have waiting periods for major services. We can help you find options that offer immediate coverage if needed.

  • Can I keep my current dentist or optometrist?

    It depends on the plan’s network. We’ll help you find one that works with your preferred providers.