Dental & vision
I tell my clients that dental and vision are great benefits when the employer pays for them. But they may not be a good use of your own funds. In general individual dental plans have around a $1,000/year maximum benefit, and the premium is often around $65 to $85/month.
Think of dental insurance as a way to budget your expenses over the year on a monthly basis with just a little bit of insurance thrown in.
I only offer Delta Dental for insurance coverage. The price is reasonable in my opinion, and it has the largest network. It's nationwide.

2027 Delta Dental of Washington plans
A brief outline of the 2027 Delta Dental of Washington Individual & Family™ coverage options for a single adult in Western WA. If you live in Eastern Washington or want coverage for a spouse or family, I can run those numbers separately.
These prices are for coverage that starts January 1, 2027. Optimum and SimpleChoice are new for 2027, and you can sign up for them starting November 1, 2026.
All of the plans have no waiting period for preventive care services. Typically they have a twelve-month waiting period for restorative benefits, except for the Ascent plan, which has none. Waiting periods may be waived if you had comparable dental coverage for at least 12 months in a row, with no more than a 63-day gap before your new plan starts. When you enroll, you will be asked about your previous plan.
- Best valuePremium$85.50/ month, individual, Western WA
- Annual maximum: $2,000/year
- Deductible: $100
- Preventive care: 100%
- Sealants: 100%
- Fillings: 80%
- Crowns (repairing teeth): 50%
- Gum disease cleanings (periodontal maintenance): 50%, up to 3 per year
Waiting period: Yes, for some restorative services (can be waived with qualifying prior coverage). This plan is the closest to a typical employer group dental plan.
Enroll online - Most popularAscentno-waiting-period option$73.15/ month, individual, Western WA
- Annual maximum: $1,000 year 1 · $1,250 year 2 · $1,500 year 3+
- Deductible: $50
- Preventive care: 100%
- Fillings: 50% in year 1, 60% in year 2, 70% in year 3+
- Crowns (repairing teeth): 50%
Waiting period: None. The annual maximum and the coverage percentage for some services go up each year you renew.
Enroll online - Optimumnew for 2027, highest coverage$111.70/ month, individual, Western WA
- Annual maximum: $2,000 year 1 · $3,000 year 2 · $5,000 year 3
- Deductible: $100
- Preventive care: 100%
- Fillings: 80%
- Crowns, root canals, implants: 60%
- Cosmetic: 50% for teeth whitening, 60% for veneers
Waiting period: Yes, for some restorative services (can be waived with qualifying prior coverage).
Enroll online - Enhanced$63.75/ month, individual, Western WA
- Annual maximum: $1,000/year
- Deductible: $50
- Preventive care: 100% (exams, cleanings, bitewing x-rays)
- Fillings: 50%
- Crowns (repairing teeth): 50%
Waiting period: Yes, for some restorative services (can be waived with qualifying prior coverage).
Enroll online - SimpleChoicenew for 2027, set copays$50.90/ month, ages 26 to 50, Western WA
- Annual maximum: None
- Deductible: None
- Price by age: $43.00 ages 0 to 25 · $50.90 ages 26 to 50 · $55.40 ages 51+
- Preventive visit: $85 copay
- Fillings: $125 copay
- Crowns: $800 copay, 1 per person per year
- Root canals: $600 copay
Waiting period: Yes, for some services (can be waived with qualifying prior coverage). You pay a set dollar amount for each service instead of a percentage.
Enroll online - Basiclowest price$39.00/ month, individual, Western WA
- Annual maximum: $1,000/year
- Deductible: None
- Preventive care: 100% for exams and cleanings, 50% for full-mouth x-rays and fluoride
- Office visit copay: $15 per visit
- Fillings: 50% (tooth-colored fillings on back teeth are not covered)
- Crowns: Not covered
Waiting period: Yes, for some services (can be waived with qualifying prior coverage).
Enroll online - Plus Ortho$84.55/ month, individual, Western WA
- Annual maximum: $1,500/year
- Deductible: $50
- Preventive care: 100%
- Fillings: 50%
- Crowns (repairing teeth): 50%
- Nightguards: 50%
- Orthodontics: 50% for braces and aligners installed by a licensed dentist, up to $1,500 lifetime maximum, with a 12-month waiting period
Waiting period: Yes, for some restorative and ortho services (can be waived with qualifying prior coverage). Annual maximum is per policy year, plus a shared household maximum of $250 per person, up to $1,250.
Enroll online Which plan is right for me?
Premium is the closest to a typical employer group plan, with a $2,000 maximum, and is usually the best fit. If you do not have recent prior dental coverage and want to avoid waiting periods while you ease into coverage, Ascent is often the better starting point. If you want cosmetic work covered or a maximum that grows to $5,000, look at Optimum.
You can review the different plan details and enroll online. Read "View Policy" when online for complete details of each separate plan, including exclusions, limitations, and frequency limits. Rates are based on factors like age, location (Eastern vs. Western WA), and who is covered (individual, couple, or family). The numbers above are for a single adult in Western Washington.
Vision coverage
Compare individual DeltaVision® plans
| Benefit | DeltaVision® Brilliance 200 | DeltaVision® Essential 150 |
|---|---|---|
| Plan description | Premium plan with $200 retail frame (or elective contact lens) allowance and no copays. | Standard plan with $150 retail frame (or elective contact lens) allowance. |
| Monthly premium (latest published rate, per person) | $15.55 | $12.50 |
| WellVision Exam® copay (every 12 months) | $0 | $10 |
| Prescription glasses (frames, lenses) copay | $0 | $10 |
| Retail frame allowance (every 12 months) | $200 | $150 |
| Costco/Walmart frame allowance | $110 | $80 |
| Lenses (single vision, lined bifocal, lined trifocal) | Covered | Covered |
| Impact-resistant lens enhancements for children copay | $0 | $0 |
| Standard progressive lens copay | $0 | $55 |
| Contact lens exam copay maximum (fitting and evaluation) | $0 | $40 |
| Elective contact lenses allowance (instead of glasses) | $200 | $150 |
| Saved on purchases over plan allowance for frames | 20% | 20% |
| Routine retinal screening copay maximum | $39 | $39 |
| Out-of-network providers | Not covered | Not covered |