For many families, having health insurance is a struggle in itself. But what about the essential services that often get left out, like vision and dental care? The need for these services is critical, yet millions of people across the country, especially in low-income communities, go without them due to high costs. This is particularly true in the states we serve: Texas, Virginia, New Jersey, Maryland, and Kentucky.
At EIMA Health Insurance, we believe that everyone deserves access to quality, affordable healthcare. We understand that finding insurance can be a confusing and overwhelming process, filled with complex jargon and complicated forms. Our mission is to simplify this journey and connect you with low-cost vision and dental insurance plans that fit your family's needs and budget. Our corporate office is in Dallas, TX, and we have local teams serving major metropolitan areas like Houston, San Antonio, and the DFW Metroplex (Texas); Virginia Beach, Richmond, and Northern Virginia (Virginia); Newark, Jersey City, and Paterson (New Jersey); Baltimore, Silver Spring, and Columbia (Maryland); and Louisville, Lexington, and Bowling Green (Kentucky).
Across the nation, affordability remains a significant barrier to care. A recent report from the CDC found that in early 2024, 11.1% of adults ages 18-64 were uninsured, a rate that is nearly twice as high for those living in states that have not expanded Medicaid compared to those who have. Many of these uninsured individuals are in low-income households, earning too much to qualify for Medicaid but not enough to afford traditional private health insurance.
This is where private, low-cost vision and dental plans become an essential tool for maintaining good health.
We specialize in helping people find and enroll in affordable vision and dental coverage. The process doesn’t have to be complicated. Our licensed agents will guide you through a simple, step-by-step process.
Step 1: Your Needs Analysis We begin with a no-cost, no-obligation consultation. We’ll ask about your household size, income, and specific vision and dental needs.
Step 2: Exploring Your Options Based on your needs, we will search for and compare plans from all major carriers, highlighting key features like:
Step 3: Easy Enrollment Once you select a plan, we’ll help you complete all the necessary paperwork and enroll directly. You can get coverage as soon as the next day, with no waiting periods for preventive services.
The Affordable Care Act (ACA), also known as Obamacare, is a law that helps make health insurance more accessible and affordable. If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for a "premium tax credit" or "subsidy." This is a federal credit that lowers your monthly premium for a plan purchased through the ACA Marketplace. For many low-income families, this can make a high-quality health plan very affordable.
Your eligibility and the amount of your subsidy depend on your income and household size. For the 2025 benefit year, a family of four with an income of $62,400 (approximately 200% FPL) would be eligible for a substantial tax credit. EIMA Health Insurance can provide a personalized estimate of your subsidy and walk you through the application process to ensure you get the maximum amount of financial assistance you're entitled to.
If your income is below 100% of the Federal Poverty Level, you may not qualify for a subsidy on the ACA Marketplace. Instead, you will likely be eligible for Medicaid. Our agents can help you navigate this process and ensure your application is submitted to the right state program.
Many low-cost vision plans offer premiums for as little as $15 per month. These plans often include a free annual eye exam and an allowance for glasses or contact lenses, which can save you hundreds of dollars. For children, pediatric vision care is considered an essential health benefit and is typically covered under an ACA plan or Medicaid. If your income is low enough, you may qualify for Medicaid, which provides comprehensive vision insurance benefits for children in all states.
Vision insurance is a traditional insurance policy where you pay a monthly premium and the insurance company covers a portion of your costs for exams and eyewear. A vision discount plan is a membership service where you pay a low annual fee and receive discounts at participating providers. Discount plans are often a good choice for people who want to save money on glasses or contacts without a monthly premium.
No, the Affordable Care Act, also known as Obamacare, does not require that adult vision care be covered as an essential health benefit. Only pediatric vision coverage is mandated. Some ACA plans, however, may offer optional vision coverage for adults as a supplement to the main plan, or you can purchase a stand-alone vision plan separately.
If you have a chronic eye condition like glaucoma or macular degeneration, you need to ensure your medical insurance covers your specialist visits and treatments. Vision insurance is designed to cover routine care and eyewear, not medical conditions of the eye. However, some vision plans may offer additional benefits for people with chronic conditions. Our EIMA agents can help you find a plan that works best for your specific needs.
The options for adults vary significantly by state.
A dental insurance plan has a monthly premium, a deductible, and an annual maximum. It pays a percentage of your costs (e.g., 100% for preventive, 80% for basic, 50% for major procedures). A dental discount plan is a membership service with a low annual fee. You get a card that provides a percentage discount (10-60%) at a network of dentists, and you pay the full discounted amount at the time of service.
Dental discount plans are an excellent choice for budget-conscious families. They have no waiting periods, no deductibles, and no annual maximums, allowing you to use your discounts as often as you need. They also offer a clear, upfront discount on all services, from cleanings to fillings and even major work.
Most dental insurance plans have a waiting period for major procedures like crowns, bridges, and dentures, often lasting 6 to 12 months. This is why it's so important to have a plan in place before you have a dental emergency.
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Coverage Type | Best For | Key Features |
Medicaid | Individuals & families with very low income. | Free or very low-cost premiums, extensive benefits. |
ACA Plan (Subsidized) | Individuals & families with low-to-moderate income. | Subsidies dramatically lower premiums and out-of-pocket costs. |
Stand-Alone Vision/Dental | Those with ACA plans without vision/dental, or those who don’t qualify for a subsidy. | Flexible, affordable monthly premiums with defined benefits. |
Discount Plans | People who want immediate savings on care. | Low annual fee, no deductibles, no waiting periods for discounts. |
Don’t let the fear of high costs or complicated processes prevent you from getting the care you and your family need. At EIMA Health Insurance, we believe in a no-pressure, education-first approach. We’re not here to sell you a plan—we’re here to help you understand your options and find the perfect fit.
Contact EIMA Health Insurance today for a complimentary consultation. Let us walk you through every step of the way, so you can make a confident and informed decision about your family’s health and well-being.
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