How do I purchase a dental and vision plan?

Good news! You can use your ICHRA allowance for dental and vision insurance. A dental or vision plan qualifies when it meets all of these rules:

1. You also have an active health plan that month

Dental and vision can't be your only coverage. You need to be enrolled in an individual health plan for the same month as the dental or vision premium you're submitting. Your dental or vision plan can start the same month as your health plan.

2. Make sure its Dental/Vision insurance Compliant

It has to be an insurance policy, not a discount card or membership plan. Qualifying plans can come from:

A dental or vision insurance company, such as Ameritas or Guardian. You'll find options on the Shop page of your StretchDollar portal.
Your state's marketplace or HealthCare.gov
A broker or online insurance shop, including StretchDollar Brokerage
A Medicare Advantage (Part C) plan with dental or vision included. That counts as one plan, so submit it as your health plan.

3. Submit proof of coverage

When you submit your reimbursement, include:

The insurance company's name
Your premium amount
A bill, invoice or receipt that shows you're enrolled

When can I buy a dental or vision plan?

Plans bought directly from an insurance company can usually be bought any time of year. Some dental plans have a waiting period before major work is covered. Dental and vision plans on the Marketplace can only be added during Open Enrollment or after a qualifying life event.

How do I get reimbursed?

Pay your premium to the insurance company.
In your portal, submit a reimbursement and choose Dental or Vision.
Upload your proof. Once your admin approves it, you're reimbursed by direct deposit.

Can my family's dental and vision be reimbursed?

Yes. Your dependents' dental and vision plans follow the same rules.

What doesn't qualify?

Dental or vision on its own, with no health plan that month
Discount cards and membership plans
Dental or vision coverage through a spouse's or parent's employer

Need help picking a plan? See How to pick the right dental and vision plan, or email [email protected].