How to compare health plans without the overwhelm
Families
Jan 13, 2026Share what matters, like how often you go, your favorite dentist, and the care you want.
Dental insurance
Lucie breaks down dental insurance clearly. Then you make care decisions you can genuinely smile about.
Insurance coverage
Most dental plans are designed around routine care. Here’s what that looks like in the real world:
Covered
Routine visits
Cleanings and exams are usually covered right away and cost little to nothing.
Basic work
Fillings and extractions are often partly covered.
Bigger procedures
Major work, like crowns or root canals, is partly covered (though there may be limits).
Not Covered
Cosmetic work
Veneers, implants, and other cosmetic procedures are typically not covered.
Braces
You’ll pay out-of-pocket for orthodontics.
Specialists
Plans usually don’t cover care from periodontists, endodontists, or oral surgeons.
What to expect with Lucie
From your first question to final decision, Lucie guides you every step of the way.
Tell Lucie what you need.
Tell Lucie what you need.
Get clear guidance as you explore.
Get clear guidance as you explore.
Lucie’s AI shortlists plans. It shows how coverage works, including costs and limits.
Decide with confidence.
Decide with confidence.
With a clear picture of your options, you’ll know whether enrolling in a plan or paying out of pocket makes the most sense.
How to compare health plans without the overwhelm
Wellness
Jan 13, 2026
HMO vs PPO: The simplest explanation you’ll find
Dental & Vision
Jan 14, 2026How to compare health plans without the overwhelm
Families
Jan 13, 2026How to compare health plans without the overwhelm
Wellness
Jan 13, 2026HMO vs PPO: The simplest explanation you’ll find
Dental & Vision
Jan 14, 2026Frequently asked questions
How much does dental and vision insurance cost?
How much does dental and vision insurance cost?
Most plans have a network of providers where you'll get the best rates and coverage. You can often see out-of-network providers, but you'll pay more out of pocket. Before enrolling, check if your current dentist or eye doctor is in the plan's network.
How much does dental and vision insurance cost?
How much does dental and vision insurance cost?
Most plans have a network of providers where you'll get the best rates and coverage. You can often see out-of-network providers, but you'll pay more out of pocket. Before enrolling, check if your current dentist or eye doctor is in the plan's network.
How much does dental and vision insurance cost?
How much does dental and vision insurance cost?
Most plans have a network of providers where you'll get the best rates and coverage. You can often see out-of-network providers, but you'll pay more out of pocket. Before enrolling, check if your current dentist or eye doctor is in the plan's network.
How much does dental and vision insurance cost?
How much does dental and vision insurance cost?
Most plans have a network of providers where you'll get the best rates and coverage. You can often see out-of-network providers, but you'll pay more out of pocket. Before enrolling, check if your current dentist or eye doctor is in the plan's network.
Still have questions? See all FAQs
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Get health insurance that gets you
Lucie goes beyond the basics to help you choose a plan that fits how you actually use care.
- Get a personalized shortlist of ACA plan options
- Automatically see all available savings
- Check out how coverage (and costs) play out in the real world
- Fast, simple enrollment
Footnotes
Oscar Medical coverage is underwritten by Oscar Insurance Company located in New York, New York. Plans sold in New York are underwritten by Oscar Insurance Corporation located in New York, New York. Plans sold in Florida are underwritten by Oscar Insurance Company of Florida. Plans sold in New Jersey are underwritten by Oscar Garden State Insurance Corporation. Administrative Services for all plans provided by Oscar Management Corporation. Plans sold in Texas use policy and associated COC form numbers OSC-TX-IVL-HMO-EOC-2025-HIX OHIN-134128348; OSC-TX-IVL-HMO-EOC-2025 OHIN-134128297; GUIDED OSC-TX-IVL-HMO-GOLD-GUIDED-CARE-EOC-2025 OHIN-134128360; OSC-TX-IVL-EOC-2025 OHIN-134080911;OSC-TX-IVL-EOC-2025-HIX OHIN-134080906; OSC-TX-S-IVL-EOC-2025-HIX OHIN-134079760; OSC-TX-S-IVL-EOC-2025 OHIN-134079760. Plans sold in Virginia use policy and associated form numbers VA ON OSC-VA-IVL-EOC-2025-HIX OHIN-134065976; VA OFF OSC-VA-IVL-EOC-2025 OHIN-134065976.