Coverage for Every Part of Your Health
Dental, Vision & Worksite Benefits
From routine cleanings and eye exams to accident coverage and disability protection — we help individuals, families, and employers build complete benefit packages from top-rated carriers.
Dental Insurance
Good dental health is a cornerstone of overall well-being — yet dental care is one of the most commonly skipped expenses when people are uninsured. We work with Florida's leading dental carriers to find plans that fit your budget and your dentist network, whether you need basic preventive coverage or comprehensive major dental care.
As independent brokers, we compare plans across all major carriers at no cost to you. We help individuals, families, and employer groups find the right dental plan — and we're here year-round when you have questions about your coverage.
What Dental Plans Typically Cover
- Preventive Care — Cleanings, x-rays, oral exams — typically covered at 100%
- Basic Services — Fillings, simple extractions, periodontal treatment
- Major Services — Crowns, bridges, dentures, complex extractions
- Orthodontia — Braces and clear aligners for children and adults
- Endodontics — Root canals and related procedures
- Implants — Available on select plans
Dental Plan Types
Not all dental plans work the same way. Here's how the main types compare.
DPPO — Dental PPO
Largest network flexibility — see any dentist in or out of network. Lower costs when you stay in-network, but you always have the freedom to choose your provider.
- Largest dentist network
- No referrals needed
- Out-of-network coverage
- Portable — keeps coverage when you move
DHMO — Dental HMO
Lower monthly premiums with a primary care dentist model. Requires selecting a network dentist and referrals for specialists. Best for cost-conscious individuals who have a preferred in-network dentist.
- Lowest monthly premiums
- No annual deductible
- No annual maximum
- Predictable copays
Indemnity — Traditional Indemnity
See any licensed dentist anywhere — no networks, no referrals. The plan reimburses a set percentage of the fee schedule. Ideal for those who want complete provider freedom.
- Any licensed dentist
- No network restrictions
- Simple reimbursement model
- Great for frequent travelers
Discount — Discount Dental Plan
Not insurance — a membership-based discount program at participating dentists. No waiting periods, no annual maximums, no claim forms. Discounts of 10–60% on most procedures.
- No waiting periods
- No annual maximum
- Immediate savings
- Low monthly cost
Dental Carriers We Work With
We compare plans across all major dental carriers to find the best fit for your needs and budget.
Dental Insurance FAQs
Common questions about dental coverage.
What Dental & Vision Plans Cover
- Preventive care — cleanings, exams, and X-rays
- Basic restorative — fillings and extractions
- Major restorative — crowns, bridges, and dentures
- Orthodontics for children and adults
- Vision exams, glasses, and contact lenses
- Individual, family, and group plan options
Get a Dental & Vision Quote
Coverage from Delta Dental, Guardian, VSP, and more. We find the right plan for your needs and budget — at no cost to you.
Get a Free Dental & Vision Quote(904) 565-4045Vision Insurance
Vision insurance helps cover the cost of routine eye care — annual exams, prescription glasses, and contact lenses — at a fraction of the out-of-pocket cost. With plans starting as low as $10–$15 per month, vision coverage is one of the most cost-effective benefits available.
We work with VSP, EyeMed, Guardian, and other leading vision carriers to find individual, family, and group plans that match your needs. Whether you wear glasses, contacts, or are considering LASIK, we can help you maximize your vision benefits.
What Vision Plans Typically Cover
- Annual Eye Exams — Comprehensive exams including refraction and dilation
- Prescription Eyeglasses — Frames and lenses — allowance toward frames of your choice
- Contact Lenses — In lieu of eyeglasses benefit — annual supply allowance
- Lens Enhancements — Anti-reflective coating, progressive lenses, photochromic (Transitions)
- LASIK / PRK Discounts — Discounts of 15–40% on laser vision correction at participating providers
- Retinal Imaging — Additional diagnostic testing available on select plans
Who Vision Insurance Is For
Vision plans are available for individuals, families, employer groups, and Medicare beneficiaries.
Individual & Family
Standalone vision plans available outside of open enrollment. Ideal for the self-employed, early retirees, or anyone whose employer does not offer vision benefits.
- Enroll any time of year
- Covers entire family
- Low monthly premiums
- Immediate coverage
Group / Employer
Employer-sponsored vision plans with group pricing. Can be bundled with dental for a comprehensive ancillary benefits package at a lower combined cost.
- Lower group rates
- Pre-tax payroll deduction
- Bundle with dental
- High employee satisfaction
Medicare Vision Add-On
Original Medicare does not cover routine vision. Standalone vision plans or Medicare Advantage plans with vision riders fill this critical gap for seniors.
- Fills Medicare gap
- Routine exam coverage
- Eyewear allowance
- Affordable premiums
Vision Carriers We Work With
We compare plans across all major vision carriers to find the best fit for your needs and budget.
Vision Insurance FAQs
Common questions about vision coverage.
What Dental & Vision Plans Cover
- Preventive care — cleanings, exams, and X-rays
- Basic restorative — fillings and extractions
- Major restorative — crowns, bridges, and dentures
- Orthodontics for children and adults
- Vision exams, glasses, and contact lenses
- Individual, family, and group plan options
Get a Dental & Vision Quote
Coverage from Delta Dental, Guardian, VSP, and more. We find the right plan for your needs and budget — at no cost to you.
Get a Free Dental & Vision Quote(904) 565-4045Voluntary Worksite Benefits
Voluntary worksite benefits are employee-paid supplemental insurance products offered through the workplace. They fill the gaps that major medical insurance leaves behind — paying cash directly to employees when they face an accident, illness, hospitalization, or disability.
Because they are offered through payroll deduction, employees often pay less than they would for individual coverage. For employers, voluntary benefits are a powerful, no-cost way to enhance your benefits package and improve employee retention.
Why Employers Offer Voluntary Benefits
- No direct cost to the employer — Premiums are paid by employees through payroll deduction
- Enhances your benefits package — Helps attract and retain top talent without increasing payroll costs
- Fills major medical gaps — Pays cash directly to employees — they use it however they need
- Guaranteed issue enrollment — Employees can enroll without medical underwriting during open enrollment
- Portable coverage — Many plans allow employees to keep coverage if they leave the company
- Tax advantages — Premiums paid pre-tax through Section 125 cafeteria plans
Available Worksite Benefits
We offer a full suite of voluntary benefits to complement your core health insurance program.
Accident Insurance
Pays a lump-sum cash benefit directly to the employee when they suffer a covered accidental injury — regardless of other insurance. Covers ER visits, fractures, dislocations, burns, and more.
- Emergency room treatment
- Fractures & dislocations
- Ambulance transport
- Follow-up physical therapy
Critical Illness Insurance
Provides a one-time cash payment upon diagnosis of a covered serious illness such as cancer, heart attack, or stroke. Employees use the benefit however they need — medical bills, mortgage, everyday expenses.
- Cancer diagnosis
- Heart attack & stroke
- Organ transplant
- End-stage renal failure
Hospital Indemnity
Pays a fixed daily or per-admission benefit for each day an employee is hospitalized. Helps bridge the gap between what major medical covers and actual out-of-pocket costs.
- Hospital admission benefit
- Daily confinement benefit
- ICU confinement
- Outpatient surgery
Short-Term Disability
Replaces 60–70% of an employee's income when they are unable to work due to a non-work-related illness or injury. Benefit periods generally range from 13 to 26 weeks.
- Illness or injury recovery
- Post-surgical recovery
- Maternity leave supplement
- Mental health leave
Long-Term Disability
Provides ongoing income replacement when an employee is disabled for an extended period — typically after a 90-day elimination period. Benefit periods can extend to age 65.
- Chronic illness
- Serious injury recovery
- Neurological conditions
- Musculoskeletal disorders
Group Life Insurance
Employer-sponsored term life coverage that provides a death benefit to the employee's beneficiaries. Often offered as a multiple of salary (1x, 2x) with optional supplemental buy-up.
- Basic employer-paid life
- Supplemental employee life
- Dependent life coverage
- AD&D rider
Voluntary Life & AD&D
Employee-paid life insurance that supplements employer-provided coverage. Accidental Death & Dismemberment (AD&D) adds an additional benefit for covered accidents.
- Portable coverage
- Guaranteed issue amounts
- Spouse & child coverage
- AD&D benefit
Cancer Insurance
Specifically designed to help cover the direct and indirect costs of a cancer diagnosis — from treatment and medication to travel and lodging near treatment centers.
- Chemotherapy & radiation
- Surgical procedures
- Experimental treatment
- Transportation & lodging
Employee Assistance Programs
Confidential counseling and support services for employees and their families. Covers mental health, financial counseling, legal assistance, and work-life balance resources.
- Mental health counseling
- Financial & legal guidance
- Substance abuse support
- Work-life resources
Worksite Benefit Carriers We Work With
We partner with the nation's leading voluntary benefit carriers to build the right package for your workforce.
Enrollment Timing Matters
Most voluntary worksite benefits are offered during your employer's annual open enrollment period. Outside of open enrollment, qualifying life events (marriage, birth, job change) may allow mid-year enrollment. Contact us to review your options and make sure you don't miss your enrollment window.
Talk to an agentWhat Dental & Vision Plans Cover
- Preventive care — cleanings, exams, and X-rays
- Basic restorative — fillings and extractions
- Major restorative — crowns, bridges, and dentures
- Orthodontics for children and adults
- Vision exams, glasses, and contact lenses
- Individual, family, and group plan options
Get a Dental & Vision Quote
Coverage from Delta Dental, Guardian, VSP, and more. We find the right plan for your needs and budget — at no cost to you.
Get a Free Dental & Vision Quote(904) 565-4045