How much is dental insurance in Virginia? SecureDental PLUS, the dental plan quoted on this site, runs $38.15 to $49.59 a month on its top tier across Virginia ($45.78 in Richmond), and the Saver tier starts at about $26. Vision (PremierVision) is $12.15 a month. Neither is priced by age. In Virginia the plan is issued through a sponsoring association, so add $7.95 a month in dues and a $10 one-time fee. (October 2026 quotes; reviewed by Daniel Griffin, licensed independent advisor, NPN #22052447.)
Dental and Vision Prices in Richmond
| SecureDental PLUS tier, National Options PPO 30 network | Per month, one adult |
|---|---|
| Premium ($2,000 a year, orthodontia included) | $45.78 |
| Saver Plus ($1,500 a year) | $40.68 |
| Saver ($1,000 a year) | $30.90 |
| Premium on the Careington Dental PPO network | $34.33 |
| PremierVision (vision) | $12.15 |
| Association dues | $7.95 a month, plus a $10 one-time fee |
One adult, Richmond ZIP 23219, quoted October 2026. The same at 25, 40 or 60: these plans are not priced by age. Dental and vision together come to $57.93 a month, or $65.88 with the association dues.
Top-Tier Dental Price by Area in Virginia
The price follows the first three digits of your ZIP code, so it can differ between neighboring counties. Top-tier (Premium) price for one adult on the National Options PPO 30 network; Saver Plus runs about 89% of it and Saver about 67%.
| Premium tier | Counties (or parts of them) |
|---|---|
| $38.15 + $7.95 a month association dues | Bland County (part), Bristol (city), Buchanan County, Carroll County, Dickenson County, Floyd County (part), Galax (city), Grayson County, Lee County, Norton (city), Pulaski County (part), Russell County, Scott County, Smyth County and 4 more |
| $43.87 + $7.95 a month association dues | Fairfax County (part), Prince William County (part), Albemarle County (part), Alleghany County, Amherst County, Appomattox County, Augusta County (part), Bath County, Bedford County (part), Brunswick County (part), Buckingham County (part), Buena Vista (city), Campbell County, Charlotte County and 17 more |
| $45.78 + $7.95 a month association dues | Chesterfield County, Fairfax County (part), Henrico County, Loudoun County, Prince William County (part), Alexandria (city), Amelia County, Arlington County, Brunswick County (part), Buckingham County (part), Caroline County (part), Charles City County, Clarke County (part), Colonial Heights (city) and 32 more |
| $47.69 + $7.95 a month association dues | Virginia Beach (city), Accomack County, Bedford County (part), Bland County (part), Botetourt County, Chesapeake (city), Craig County, Floyd County (part), Franklin County, Giles County, Henry County, Isle of Wight County (part), Martinsville (city), Montgomery County and 10 more |
| $49.59 + $7.95 a month association dues | Albemarle County (part), Augusta County (part), Caroline County (part), Charlottesville (city), Clarke County (part), Culpeper County, Essex County, Fauquier County (part), Fluvanna County (part), Frederick County, Fredericksburg (city), Greene County, Harrisonburg (city), King George County and 18 more |
“(part)” marks a county whose ZIP codes fall in more than one price area; your exact price shows when you enter your ZIP code below.
What Each Dental Tier Pays
SecureDental PLUS comes in three tiers. Every tier pays cleanings and exams in full from the first day.
| Saver | Saver Plus | Premium | |
|---|---|---|---|
| Cleanings and exams (in network) | 100% | 100% | 100% |
| Fillings and other basic care | 60% | 70% | 80% |
| Crowns, bridges and other major care | Discount only | 60% | 70% |
| Orthodontia | Discount only | Discount only | 70%, up to $500 a year and $1,500 lifetime |
| Most it pays in a year | $1,000 | $1,500 | $2,000 |
In-network percentages after a $50 deductible per person (capped at three people per family). Benefits come from the plan brochure; your certificate governs.
When Coverage Starts
Cleanings and exams are covered from day one. Fillings and other basic care start after one month. Crowns, bridges, dentures and orthodontia start after twelve months, so if you need major work soon, start the plan now and ask your dentist whether the work can safely wait. Stand-alone dental and vision plans can be bought in any month; they are not tied to Open Enrollment.
Vision Coverage in Virginia
PremierVision runs on the Spectera Eyecare Network and costs $12.15 a month in Virginia for one person: a $0 copay for the eye exam, a $10 copay for materials, a $150 frame allowance and a $200 allowance for contact lenses. Like the dental plan, it is not priced by age.
The Association in Virginia
In Virginia the plans are issued through a sponsoring association, the American Independent Business Coalition, so membership is part of enrolling: $7.95 a month and a $10 one-time fee, on top of the premiums above. The dues are charged once per membership, not once per plan, so dental and vision together still pay them once.
What These Plans Are Not
Dental and vision plans are excepted benefits under federal law: they are not minimum essential coverage and never stand in for a health plan. Both are guaranteed renewable to age 65. Children’s dental and vision are essential health benefits on marketplace health plans; adult dental and vision are not, which is why most adults buy them separately. On the marketplace, a dental plan can only be added while buying a health plan; these plans have no such rule.
How to Get Covered in Virginia
Put your ZIP code in the form below to see your area’s exact price, then a licensed agent confirms what is offered at your address and sends the quote the way you choose. Prefer to talk? Call (713) 575-9904.
Dental and Vision by County in Virginia
Chesterfield County (vision) · Fairfax County (vision) · Henrico County (vision) · Loudoun County (vision) · Prince William County (vision) · Virginia Beach County (vision)
Questions
How much is dental insurance in Virginia?
SecureDental PLUS runs $38.15 to $49.59 a month for one adult on its top tier in Virginia, depending on the ZIP code ($45.78 in Richmond, October 2026 quotes). In Richmond the Saver Plus tier is $40.68 and Saver $30.90. The price does not change with age. In Virginia the plan is issued through a sponsoring association, so add $7.95 a month in dues and a $10 one-time fee.
How much is vision insurance in Virginia?
PremierVision is $12.15 a month for one person in Virginia, at any age, with a $0 eye exam copay, a $150 frame allowance and a $200 contact lens allowance. In Virginia the plan is issued through a sponsoring association, so add $7.95 a month in dues and a $10 one-time fee.
Does dental insurance in Virginia have a waiting period?
Cleanings and exams are covered from day one. Basic care such as fillings waits one month, and major work and orthodontia wait twelve months.
Can I buy dental and vision insurance in Virginia at any time of year?
Yes. Stand-alone dental and vision plans can be bought in any month. On the marketplace, a dental plan can only be added while buying a health plan.