moaa.service@getamba.com
My Account
The MOAA Dental and Vision Insurance Plans cover everything from routine cleanings and eye exams to root canals, dentures, and prescription eyewear — with no waiting periods, low copays, and guaranteed acceptance for MOAA members.
If you’ve transitioned from active uniformed service and are figuring out your benefits landscape, you’ve probably noticed a gap: most health insurance plans, including many Medicare options, don’t include comprehensive dental or vision coverage.
According to a recent CareQuest Institute survey Roughly 72 million American adults — about 27% — have no dental insurance at all, and older adults face this gap disproportionately: approximately one-third of Medicare recipients have no dental coverage.
For MOAA members, there’s a better option. The MOAA Dental Insurance Plan and Vision Insurance Plan are built specifically for you, with guaranteed acceptance and no waiting periods for any covered service.
Here’s what you need to know.
Why Dental and Vision Coverage Matter More After Service
Your oral and visual health don’t become less important after service. If anything, they become more so.
Research has established significant associations between oral health and serious systemic conditions, including cardiovascular disease, diabetes, and Alzheimer’s. Outside of that routine eye exams can detect early signs of glaucoma, cataracts, and diabetes before symptoms appear elsewhere.
Skipping dental and vision care isn’t just hard on your wallet when something goes wrong. It can delay the detection of health conditions that matter significantly to your long-term wellbeing.
What the MOAA Dental Plan Covers
The MOAA Premier Dental Plan covers three categories of care so you’re protected whether you’re coming in for a routine cleaning or need more significant work done.
Preventive care is covered up to 100% and is where the plan shines most for everyday use. Covered services include:
- Routine cleanings
- Oral exams
- X-rays
Basic restorative care is covered up to 80% and steps in when preventive care isn’t enough. This tier covers:
- Fillings
- Full mouth X-rays
- Emergency palliative treatment
- Periodontal maintenance
- Space maintainers and sealants for eligible dependent children
Major restorative care is covered up to 50% and includes the services that tend to carry the heaviest out-of-pocket cost without insurance:
- Root canals
- Oral surgery and extractions
- Crowns, inlays, and onlays
- Dentures and bridges
- Periodontal surgery and scaling and root planing
- General anesthesia when dentally necessary
- Adult orthodontics
There is no waiting period for any covered service. Whether you need a cleaning next week or a root canal next month, your coverage begins right away.
Acceptance is guaranteed for MOAA members. You cannot be turned down due to prior dental issues. You can also see any licensed dentist you choose. There’s no requirement to stay in-network, which is a meaningful distinction from plans that limit your provider options entirely. However, visiting a dentist in network will lower your out-of-pocket costs, so it’s worth checking whether your current dentist participates.
What the MOAA Vision Plan Covers
Vision care is often the first coverage to get dropped after a job change or retirement. Regular eye exams do more than update your glasses prescription, though. They’re one of the few routine health checks that can reveal systemic conditions before symptoms appear elsewhere.
The MOAA Vision Plan, gives you access to one of the largest vision networks in the country, with over 96,000 independent doctors and 41,000 retail chain access points.
In-network, the plan covers:
- Comprehensive eye exams, including dilation
- Frames and lenses
- Retinal imaging screening
- Lens enhancements, including standard, premium, and custom progressive lenses
- Polycarbonate lenses, scratch-resistant coating, anti-glare coating, tints, and light-reactive lenses at negotiated pricing
- Contact lens materials and fitting, whether elective or medically necessary
- Discounts on LASIK and PRK laser vision correction surgery at participating locations
For out-of-network visits, the plan provides an allowance toward the cost of frames, lenses, and contacts. Additional in-network savings extend to non-covered prescription glasses and non-covered lens options.
The Costs of Going Without
It’s easy to defer dental and vision appointments when nothing feels urgently wrong. Deferred care almost always costs more in the long run, though.
A root canal alone averages $700 to $1,500 or more depending on the tooth and location, before accounting for a crown. A complete pair of prescription glasses without insurance typically runs $200 to $600, with progressive lenses pushing that higher. Adults without dental coverage are far less likely to seek care at all, which increases the risk of conditions that are more expensive and more serious when finally addressed.
The no-waiting-period structure means coverage starts immediately, so there’s no reason to put off enrolling while you weigh whether you’ll need care soon.
Who Is Eligible and How to Enroll
These plans are available exclusively to MOAA members and their families, with coverage tiers for member only, member + spouse/domestic partner, member + children, or full family, for both dental and vision. Both plans offer guaranteed acceptance for eligible members, with no medical questionnaires and no underwriting hurdles tied to your dental or vision history.
To enroll or learn more, visit moaainsurance.com or call 1-800-247-2192 to speak with a coverage expert.
You spent years prioritizing readiness — physical, professional, and operational. Maintaining your dental and vision health in retirement is part of that same discipline. These plans exist to make it straightforward, with coverage designed specifically for MOAA members.