Globalcare ConsultingDental & vision
Dental & Vision
Dental and vision are almost always separate policies from your medical plan — Original Medicare doesn’t cover routine dental at all, and most ACA medical plans only include pediatric dental. Globalcare helps individuals, families, seniors, and employers compare standalone plans across New Jersey, New York, and Georgia — at no cost to you.
Two ways to buy
Dental and vision are sold standalone — how you buy depends on whether you have access to a group.
Standalone dental & vision plans
Buy directly, any time of year — dental and vision plans have no open enrollment restriction.
- PPO or DHMO network structure
- Waiting periods usually apply to major work
- Priced by individual, couple, or family
Group dental & vision
Offered alongside a group medical plan, usually at lower cost with fewer waiting periods.
- Guaranteed issue for eligible employees
- Often shorter or waived waiting periods
- Payroll-deducted premiums
Four things every dental plan handles differently
The fine print that actually determines what you'll pay out of pocket.
Annual maximum
A cap on what the plan pays per year — typically up to $3,000, though some plans go higher. Once you hit it, you pay 100% of anything more.
Waiting periods
Preventive care is usually covered immediately. Basic services often wait 6 months; major work like crowns and dentures often waits 12.
Missing tooth clause
Many plans won’t cover an implant or bridge replacing a tooth that was already missing before your policy started.
Network type
PPO plans let you see any dentist, with better savings in-network. DHMO plans require a primary dentist and use copays instead of percentages.
PPO vs. DHMO
The two most common network structures — and the trade-off is flexibility versus cost.
| Category | Dental PPO | Dental HMO (DHMO) |
|---|---|---|
| Dentist choice | Any dentist; more savings in-network | Must use an assigned primary dentist |
| Cost structure | Percentage of charges after deductible | Fixed copays per procedure |
| Annual maximum | Typically up to $3,000 | Usually no annual cap |
| Monthly premium | Higher, roughly $15–$100 | Lower, roughly $15–$22 |
| Best for | Keeping a current dentist, wanting network freedom | Lowest cost, comfortable switching dentists |
Vision plans — a separate policy, same idea
Vision insurance follows the same standalone logic as dental, with its own typical benefit structure.
Annual
Eye exam
Most plans cover one comprehensive exam per year at little or no cost in-network.
Allowance
Frames or contacts
A set dollar allowance toward frames, or a comparable allowance toward contact lenses, typically once per year.
Bundled
Often paired with dental
Many carriers sell a combined dental-and-vision plan at a discount versus buying each separately.
Dental coverage for seniors on Medicare
Original Medicare doesn't cover routine dental
No cleanings, fillings, dentures, or extractions under Parts A & B. Seniors typically fill this gap one of two ways: a standalone senior dental plan, or a Medicare Advantage plan that bundles in dental benefits. See how Medicare Advantage handles this.
Adding dental & vision to a group benefits package
For employers already working with us on medical coverage.
Group dental and vision are typically the least expensive additions to a benefits package, and often come with fewer waiting-period restrictions than individual plans. If you’re building out group coverage more broadly — medical, HRA/HSA, COBRA — we handle that on the group side.