Sorry to say, neither is covered very well or at all in most medical plans. We have relied on chain optical centers for lowest cost eye care. Dental coverage is astronomical for a policy that has a max payout of $1000 per year. We had a heart to heart with our dentist who was agreeable to a cash pay for annual exams at $50 and 20% off any other services as needed. Compared with a $3000 annual premium for dental plans, this monied out to way better. Don't be afraid to ask your dentist. It saves a lot of paperwork for him or her. Rates are not fixed in stone.