Dental and vision is an option for Federal Health Insurance. There are actually about 30 different health insurance plans that they can opt into. Some are HMO's and some are PPO, with a few oddball plans. All cost money and none come with Vision or Dental. That is a separate plan the you have to opt into and pay for. She is whining because it isn't "included" in the medical. My cost is about $550 a month without dental and vision. I have never used my medical insurance for anything. I haven't seen a doctor since 1999 on an exit physical from the military. The only reason I have medical coverage is for a catastrophic injury. Other than that, I will be happy to avoid our medical system and hopefully the next doctor that touches me will be hanging a tag on my toe.