Dental, Vision, and Hearing Plans
Comprehensive Coverage for Total Wellness
Original Medicare does not cover routine dental, vision, or hearing care, leaving many individuals to pay out of pocket for essential services. Adding a supplemental insurance plan ensures you receive affordable care for dental procedures, eye exams, and hearing aids.
Many
Medicare Advantage plans (Part C) include dental, vision, and hearing benefits. However, standalone policies are also available for those on
Original Medicare (Parts A & B) or anyone needing additional coverage.
Why Do You Need Dental, Vision, and Hearing Insurance?
A comprehensive dental, vision, and hearing plan helps reduce costs, ensuring you get the care you need.
What Do These Plans Cover?
Dental Coverage
A supplemental dental plan helps pay for both routine and major dental procedures.
- Preventive care: Routine cleanings, exams, and X-rays (often 100% covered).
- Basic procedures: Fillings, root canals, and tooth extractions.
- Major services: Crowns, dentures, implants, and oral surgery.
- Orthodontic care: Some plans include discounts on braces and aligners.
Why It Matters: Poor dental health has been linked to heart disease, diabetes, and other medical conditions, making routine dental care a necessity.
Vision Coverage
Most Medicare plans do not cover routine vision care, but a vision plan helps reduce costs for:
- Eye exams – Annual vision check-ups to monitor your eye health.
- Prescription lenses – Glasses and contact lenses at reduced costs.
- Frames & upgrades – Discounts on premium lenses, designer frames, and lens coatings.
- Eye surgery & disease management – Coverage for cataracts, glaucoma, and macular degeneration.
Why It Matters: Vision naturally declines with age, and early detection of eye diseases can prevent long-term complications.
Hearing Coverage
Hearing loss is one of the most common age-related conditions, yet hearing aids are rarely covered by Medicare. A hearing plan provides:
- Hearing exams & screenings – Identify early signs of hearing loss.
- Discounted hearing aids – Save up to 60% on hearing devices.
- Hearing aid fittings & repairs – Ensure proper fit and function.
- Advanced technology options – Coverage for digital and Bluetooth-enabled hearing aids.
Why It Matters: Untreated hearing loss can lead to cognitive decline, social isolation, and a lower quality of life.
Types of Dental, Vision, and Hearing Plans
1. Standalone Dental, Vision, and Hearing Plans
- Available separately or as a bundled package.
- Provides coverage for individuals on Original Medicare (Part A & B).
- Offers affordable copays and discounted rates on essential care.
2. Medicare Advantage Plans (Part C)
- Many Medicare Advantage plans include dental, vision, and hearing benefits.
- Coverage varies by plan, so it’s essential to compare options.
- Often provides $0 premiums with network-based provider access.
3. Discount Plans
- Lower-cost alternative to insurance.
- Provides discounts on services rather than full coverage.
Works well for those with minimal care needs.
Tip: Some
Medicare Supplement (Medigap) plans may also include
limited vision, dental, or hearing benefits.
When Can You Enroll?
Unlike Medicare health coverage, dental, vision, and hearing plans allow for year-round enrollment.
However, if you’re enrolling in a Medicare Advantage plan, you can only add or change plans during:
- Initial Enrollment Period (IEP): 3 months before and after turning 65.
- Annual Enrollment Period (AEP): October 15 – December 7.
- Medicare Advantage Open Enrollment: January 1 – March 31.
If you lose employer coverage or have
a qualifying life event, you may be eligible for a
Special Enrollment Period (SEP).
Why Choose a Dental, Vision, and Hearing Plan?
- Low-cost preventive care saves money on routine visits.
- Flexible coverage lets you choose your own provider.
- Affordable monthly premiums make coverage accessible for all.
- Peace of mind knowing major procedures are covered.
Without insurance, a
single dental procedure or pair of hearing aids can cost thousands. A
standalone or bundled plan helps manage costs and ensures
affordable access to routine and specialized care.
Find the Right Plan for You
At Insured Carolina, we help clients navigate Medicare and find the best supplemental coverage for dental, vision, and hearing needs.
📞 Call:
864-688-9707
📩 Email:
joshua@insuredcarolina.com