Original Medicare does not cover routine dental exams, eyeglasses, or hearing aids. Millions of seniors go without the care they need because they assume Medicare has them covered. A standalone DVH plan fills those gaps — affordably and simply.
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What DVH Covers
Standalone dental, vision, and hearing plans give you access to the preventive and restorative care that Original Medicare leaves out.
From routine checkups to major restorative work, standalone dental plans keep your oral health on track without the tight limits of Medicare Advantage dental benefits.
Routine eye exams, prescription lenses, and frames are not covered by Original Medicare. A standalone vision plan makes sure your eyesight stays sharp year after year.
Hearing loss affects nearly one in three adults over 65. Standalone hearing plans cover the exams and devices that Original Medicare does not, helping you stay connected.
The Medicare Gap
Many seniors are surprised to learn that Original Medicare has significant gaps in dental, vision, and hearing coverage.
Know the Difference
Not all dental, vision, and hearing coverage is created equal. Here is how the two options stack up.
Is DVH Right for You?
If you have a Medicare Supplement (Medigap) plan, you have zero dental, vision, or hearing coverage from Medicare. A standalone DVH plan is the only way to get these essential benefits.
Your Medicare Advantage plan may advertise dental and vision, but if the annual maximum is only a few hundred dollars, it likely will not cover the care you actually need. Adding a standalone plan fills those gaps.
If you need regular dental work, wear glasses or contacts, or are experiencing hearing loss, a dedicated DVH plan ensures you have the coverage to stay on top of your care without financial worry.
Simple Process
Three steps to dental, vision, and hearing protection — and it costs you nothing to explore your options.
Call or schedule a meeting with Jesse or Arnie. We look at your current Medicare plan, identify what dental, vision, and hearing benefits you have (or are missing), and understand your care needs.
We compare DVH plans across multiple carriers to find the best combination of coverage, networks, and premiums for your unique situation and budget.
We handle all the paperwork. Your DVH coverage is active, and we review it with you every year during your annual plan review — all at no cost to you.
Part of a Complete Package
We help clients build layered protection packages that combine DVH with Medicare, Critical Illness, and Recovery Care — so every gap is covered and nothing slips through the cracks.
Not sure which package is right for you? We will walk you through your options in a single, no-pressure conversation.
Explore Coverage Packages →Common Questions
Original Medicare (Parts A and B) does not cover routine dental care such as cleanings, fillings, extractions, or dentures. Medicare only covers limited dental services that are directly related to a covered medical procedure — for example, a dental exam before a heart valve replacement. For day-to-day dental care, you need either a Medicare Advantage plan with dental benefits or a standalone dental plan.
Yes. You can add a standalone dental, vision, or hearing plan on top of your Medicare Advantage benefits. This is especially useful if your MA plan has low annual maximums or limited provider networks for dental and vision. A standalone plan can supplement those thin benefits and give you more comprehensive coverage.
It depends on the plan and carrier. Many standalone dental plans have no waiting period for preventive services like exams and cleanings. However, some plans may have waiting periods of 6 to 12 months for major services like crowns or dentures. Vision and hearing plans typically have short or no waiting periods. We help you compare plans and find options that match your timeline.
Standalone dental plans generally organize coverage into three tiers: preventive (exams, cleanings, X-rays), basic (fillings, simple extractions), and major (crowns, bridges, dentures, root canals). Preventive services are usually covered at the highest percentage with no waiting period. Basic and major services may have co-insurance and annual maximums that vary by carrier.
Standalone DVH plans are generally very affordable for seniors. Monthly premiums vary based on the carrier, your location, and the level of coverage you choose. Many dental-only plans start at modest monthly premiums, with vision and hearing add-ons available for additional cost. We compare options across multiple carriers to find the best value for your budget — and our consultation is always free.
Schedule a free, no-obligation consultation. We will review your current benefits and help you find the right DVH plan for your needs and budget.