When deciding on a dental plan, the two key components you need to consider are the monthly premium and the deductible. The premium is what you pay each month toward your dental insurance. On average, a good rule-of-thumb is to figure that you’ll be covering about one-third of your total out of pocket dental expenses with your monthly premium. A good discount dental insurance plan will also have a lower-than-average deductible so you can get coverage quicker and get on with more important things like scheduling your next dentist appointment.

Dental insurance can be an affordable way to manage unexpected or expensive dental issues (like broken teeth or expensive crowns, implants or dentures). The cost of dental insurance varies by plan, but some companies offer plans with no monthly premiums, few deductibles and low co-pays. Other plans may require you to share the cost of care through coinsurance or deductibles.

What kind of vision insurance is right for you? It depends on your needs. If health insurance already covers your eye exam, then just the eyeglasses may be covered by your vision insurance. On the other hand, if you don’t have health insurance or aren’t sure what it covers, then exams and eyewear could be covered by vision insurance.

Your vision insurance plan may cover eyeglass lenses, frames, contacts, and digital eye exam services.