Are there waiting periods before coverage begins?

Preventive care is often covered right away, while basic and major services may carry waiting periods. Some plans waive these waiting periods for applicants with prior dental coverage, and we will point out those options where they are available.

Can we keep our current dentist?

In many cases you can. We check whether your dentist and eye doctor participate in each plan's network, and we also identify plans that allow you to visit any provider.

Should we purchase dental and vision together?

Bundling is often convenient and can be cost effective, but it is not required. We compare stand alone and combined plans so that you pay only for the coverage your family will use.

Dental and Vision Plans in NJ and NC

Dental and Vision

Coverage at a glance

Individual dental insurance generally covers preventive care such as cleanings and examinations most generously, with basic services such as fillings and major services such as crowns or bridges covered at progressively lower levels. Many plans include an annual maximum benefit and a waiting period before major services are covered.

Individual vision insurance typically helps with routine eye examinations and provides an allowance toward eyeglass frames, lenses or contact lenses. Dental and vision plans may be purchased separately or together, and benefits, networks and waiting periods vary by carrier and by state.

A dental hygienist standing beside a patient in a bright treatment room

Who it is designed for

These plans are designed for individuals and families who do not have dental or vision benefits through an employer, retirees whose health plan does not include routine dental or vision care, and anyone who would like to budget for these services with greater predictability.

How the plan works

You pay a monthly premium, and the plan pays a share of the cost of covered services, usually with the greatest savings when you visit providers within the plan's network. Some plans allow you to see any dentist or eye doctor, while others offer lower premiums in exchange for a defined network.

We compare plans by looking at your current dentist and eye doctor, the services you anticipate and the premium that fits your budget. If you are planning significant dental work, we pay close attention to waiting periods and annual maximums so that your plan serves you when you need it.

Request a consultation

Speak with us about Dental and Vision

Share a few details, and we will reach out personally to arrange a conversation at a time that suits you. There is never any cost or obligation for our guidance.

First name (required)

Last name (required)

Phone (required)

Email (required)

How can we help? (required)

Coverage of interest (required)

Anything you would like us to know (optional)

I agree that King Health may contact me about my request by phone, email or text message. (required)

By checking this box, I agree to receive text messages from King Health about my inquiry, including follow up and appointment reminders, at the phone number provided. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. Consent to receive text messages is not a condition of purchase. See our privacy policy. (optional)

Common questions

Dental and Vision, answered

Preventive care is often covered right away, while basic and major services may carry waiting periods. Some plans waive these waiting periods for applicants with prior dental coverage, and we will point out those options where they are available.

Prefer to talk it through? Call (973) 524-7188 and we will answer in person.