Coverage for What Medicare Leaves Out
Original Medicare doesn't cover routine dental, vision, or hearing care. These standalone plans help you maintain your overall health without surprise out-of-pocket costs.
What Original Medicare Doesn't Cover
If you have Original Medicare (Parts A and B), you may be surprised to learn it doesn't include:
- ✗ Routine dental, cleanings, fillings, dentures, extractions
- ✗ Routine vision, eye exams, glasses, contacts
- ✗ Hearing, hearing exams, hearing aids, fittings
These services can be expensive out-of-pocket. A single pair of hearing aids can cost $3,000-$7,000. A dental crown might run $1,000-$3,000. Standalone DVH coverage helps manage these costs.
Your Coverage Options
Dental Insurance
Protect your oral health
Dental plans typically cover preventive care (cleanings, exams, X-rays) at 100%, basic procedures (fillings, extractions) at 80%, and major work (crowns, bridges, dentures) at 50%. Many plans have no waiting periods for preventive care.
- Preventive care (cleanings, exams)
- Basic procedures (fillings, extractions)
- Major procedures (crowns, bridges, dentures)
- Some plans include orthodontics
Vision Insurance
See clearly without breaking the bank
Vision plans cover routine eye exams and provide allowances for glasses or contacts. Some plans also offer discounts on LASIK surgery.
- Annual eye exams
- Frames and lenses (allowance)
- Contact lenses (allowance)
- Discounts on lens upgrades
Hearing Insurance
Don't let hearing loss go unaddressed
Hearing plans help cover the cost of hearing exams, hearing aids, and fittings, which can otherwise be prohibitively expensive.
- Hearing exams
- Hearing aids (discount or allowance)
- Fittings and adjustments
- Batteries and repairs
Bundled DVH Plans
One plan, multiple benefits
Many carriers offer bundled dental, vision, and hearing coverage in a single plan, often at a lower cost than buying each separately.
- Combined coverage
- Simplified billing
- Often lower overall cost
- One enrollment, multiple benefits
Is DVH Coverage Right for You?
DVH plans make sense if you:
- Have Original Medicare (Parts A & B) without dental/vision/hearing benefits
- Have a Medicare Supplement (Medigap) plan, these don't include DVH either
- Want predictable costs for routine dental and vision care
- Wear glasses or contacts
- Need hearing aids or expect to in the future
- Want to maintain preventive care without paying full price out-of-pocket
Note: Some Medicare Advantage plans include limited dental, vision, and hearing benefits. We can review what you have and whether standalone coverage makes sense.
Common Questions
Does Medicare cover any dental or vision?
Original Medicare covers very limited dental and vision, mainly if it's medically necessary (like cataract surgery). Routine cleanings, eye exams, and glasses are not covered.
What do these plans typically cost?
Dental plans often run $20-$50/month. Vision plans are often $10-$20/month. Hearing plans or bundled DVH packages vary. We'll show you specific options and costs.
Are there waiting periods?
For preventive dental care, usually no waiting period. For major dental work, there may be a 6-12 month waiting period. We'll explain each plan's specifics.
Can I keep my dentist or eye doctor?
It depends on the plan. We'll help you find plans that include your preferred providers in-network.
I have Medicare Advantage, do I still need this?
Maybe not. Many Medicare Advantage plans include some dental, vision, and hearing coverage. Let's review what you have and see if it's enough.
Don't Neglect Your Dental, Vision, and Hearing
These are essential parts of your health. Let's find coverage that fits your needs and budget.
Or call 904-217-8368