Dental and Vision

Dental Insurance

Dental insurance helps to cover some of the expenses of routine dental care.

Stand-alone dental plans are available for individuals and families in a variety of benefit and coverage levels.

Plans may have different requirements in terms of the dentists covered by the plan.

·      Indemnity Plans let you see any dentist who accepts insurance

·      Preferred Provider Network Plans – Have a network of dentists that you can see for a lower cost share for services. Using Out of Network providers may cost more.

·      Dental Health Maintenance Organization (DHMO) plans require that you use an in-network dentist to receive care.

Medicare Beneficiaries:

Original Medicare does not cover routine dental care. A stand alone dental plan can take care of you.

Some Medicare Advantage plans may include some routine dental benefits

Vision Insurance

Vision insurance helps to cover some of the expenses of routine vision care provided by an optometrist or ophthalmologist, such as exams, glasses and contact lenses.

Stand-alone Vision plans are available for individuals and families in a variety of benefit and coverage levels.

Medicare Beneficiaries:

Original Medicare does not cover routine vision care.

Some Medicare Advantage plans may include some routine vision benefits

What about Hearing?

Original Medicare does not cover routine hearing services or hearing aids.

Some Medicare Advantage plans may include some routine hearing and/or hearing aid benefits

Some limited benefits for hearing may be obtained through some stand-alone Dental/Vision/Hearing “Flex” plans or through a special rider connected with certain dental plans.

Contact us to ask about Hearing benefits.