What is the Family Dental + Vision Cost Estimator?

The Family Dental + Vision Cost Estimator is a free online tool that helps you estimate the cost of family dental and vision insurance based on your coverage type, state, number of adults, number of dependents, dental coverage level, vision coverage level, dental network, vision network, and include orthodontics or glasses coverage.

How do I use the Family Dental + Vision Cost Estimator?

Simply enter your information into the calculator fields, and the tool will instantly calculate your results. All calculations are done in real-time in your browser.

Is the Family Dental + Vision Cost Estimator free to use?

Yes, this tool is completely free to use. No registration or payment required. All calculations are done in real-time in your browser.

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Family Dental + Vision Cost Estimator

Insurance Tools

Family Dental + Vision Combo Cost Estimator (2025)

Estimate your combined monthly and annual costs for family dental and vision insurance plans. Compare coverage levels, network types, and savings when bundled.

Assess Your Family Dental + Vision Costs

Enter your information to compare costs across different plan types and coverage levels

Coverage Type

State

Number of Adults

Number of Dependents

Dental Coverage Level

Vision Coverage Level

How This Estimator Works

This calculator estimates combined dental and vision insurance costs using real market data from major U.S. carriers (Delta Dental, VSP, EyeMed, Davis Vision) and public benchmarks like Healthcare.gov. It factors in coverage tiers, network preferences, family size, and optional add-ons like orthodontics or eyewear.

Average Dental + Vision Bundle Costs (2025)

Coverage	Avg. Monthly Cost	Avg. Annual Cost	Typical Savings vs Separate
Individual	$40–$55	$480–$660	10–15%
Couple	$65–$85	$780–$1,020	12%
Family (4)	$90–$120	$1,080–$1,440	15%

(Data compiled from major carriers like Delta Dental, VSP, EyeMed, Davis Vision, and government marketplace sources.)

Why Bundle Dental + Vision Insurance?

✅ Lower Combined Premiums – Insurers often give 10–20% discounts for combined plans

✅ Simplified Billing – One provider, one monthly payment

✅ Streamlined Benefits – Coordinated claim handling and co-pays

✅ Employer Tax Advantages – Often pre-tax through workplace benefits

✅ Better Family Coverage – Easier to manage child dental + vision benefits together

Typical Benefits Comparison

Service	Basic Plan	Standard Plan	Comprehensive Plan
Eye Exam	Covered (co-pay $10–$20)	✅	✅
Frames	25–50% off retail	Covered up to $150	Covered up to $200
Contact Lenses	Discounts only	Covered up to $120	Covered up to $150
LASIK Discounts	No	Limited	✅ Available

Cost Factors to Consider

State of residence, Some states have higher premiums (e.g., CA, NY)

Number of dependents – Family size is the main cost driver

Plan tier, Comprehensive = higher coverage + premium

Network, PPOs cost more than HMOs or basic networks

Add-ons, Orthodontics and eyewear significantly raise costs

How to Save on Family Coverage

Compare bundle vs standalone pricing annually

Use HSAs or FSAs for co-pays and deductibles

Consider employer family plans with pre-tax savings

Schedule dental and vision visits early in the year to avoid rollover loss

Choose comprehensive family bundles if your children need orthodontic or eyewear benefits

Frequently Asked Questions

Are dental + vision bundles cheaper than separate plans?

Typically yes, savings average 10–20% annually.

Can I use my HSA or FSA for both?

Absolutely. Both dental and vision expenses qualify for tax-free HSA/FSA use.

Do all insurers offer bundled plans?

Major carriers like Delta Dental, VSP, and Guardian often offer combo options.

What's the average cost for a family of four?

Around $90–$120/month, depending on coverage level and network.

Helpful Resources

HealthCare.gov Bundled PlansGovernment marketplace plans Delta Dental Family PlansMajor dental provider VSP BundlesLeading vision provider