Who this is for: Individuals and families who want to keep a trusted dentist or eye doctor, and anyone comparing dental or vision coverage alongside a new health plan.
Why dental, vision and health are often best with different carriers
Provider networks vary a lot by specialty. Your primary care doctor, your family dentist and your optometrist may each be in a different carrier's network. Bundling all three with one carrier can mean giving up one of those providers or accepting weaker benefits on one line of coverage.
So Dagan doesn't bundle by default. He compares standalone dental plans, vision plans and health plans separately, then puts together the combination that fits your providers and budget. It takes more work to set up, but it can keep your care personal and flexible.
Dental plans
Dagan compares standalone dental plans, including dental PPOs. In each one he looks at:
| What Dagan checks | Why it matters |
|---|---|
| Whether your dentist is in network | Seeing an in-network dentist usually keeps costs lower |
| Annual maximum | The most the plan pays toward your dental care in a year |
| Copays and cost sharing | What you pay for cleanings, fillings and other services |
Coverage levels, waiting periods and limits vary by plan, so check the plan documents before you enroll.
Vision plans
Vision plans are compared the same way: whether your eye doctor is in network, and what you pay for exams, glasses or contacts under each plan's copays and allowances. Benefits vary by plan.
Checking your dentist and eye doctor are in network
Dagan looks for plans that include your preferred dentist and eye doctor. Networks change, so confirm your providers with the carrier, and with the provider's office, before you enroll.
Plan availability, benefits and costs vary by carrier, county and plan year.