The Trifecta Policy Needed: Dental, Vision, and Hearing Insurance to Pair With Medicare | Medicare Dana

Medicare Vision, Dental, & Hearing: What is Covered?

Does original Medicare cover hearing aids? What about dental care? Does Medicare cover eyeglasses or eye exams? We have the answers about Medicare vision, dental, & hearing coverage! 

These are some of the most popular questions when diving into Medicare and Medicare supplemental plans. Original Medicare does not cover dental, vision, or hearing insurance.

For many of you, learning this information comes as a surprise, and with good reason. Dental, vision, and hearing care are important aspects of your overall health. Dental, vision, and hearing care are part of your financial plan for your retirement years as well, and they must be considered when you’re outlining your budget. Dental, vision, and hearing services can be quite costly. Medicare does not cover routine teeth cleanings, eye and hearing exams, teeth X-rays, tooth extractions, dentures, root canals, eyeglasses, contact lenses, hearing aids, etc. All of these services and products can potentially have large out-of-pocket costs.

How to Get Hearing, Vision, & Dental Insurance After Age 65

Don’t fret! The good news is that you can obtain an affordable standalone policy for hearing, vision, and dental insurance. While there are several policy options on the market to pair with Medicare, one of the best overall plans is through Manhattan Life.  This policy combines dental, vision, and hearing in one plan. What’s nice about this plan is that you have the flexibility and choice, both in your providers and in the area of need. This dental, vision, and hearing plan provides you benefits from day one of approval and the benefits grow over time too.

Manhattan Life Policy Highlights: 

  • No networks! You have the freedom to visit any provider you choose.*
  • No waiting periods for basic services.
  • Guaranteed acceptance – you will have no health questions on the application.
  • $1,000, $1,500 or $3,000 maximum policy year benefit. This covers dental, vision, and/or hearing. You chose and can use it towards any 1 or all 3 of the specialty areas. Think of it as a ‘pool’ of money.
  • Guaranteed renewable, as long as you pay the premiums on time.
  • Individual and family plan options; available for anyone ages 18-85.

*While there are no networks, the plan recently paired up with the Careington Maximum Care PPO Dental Network to offer you a deeper discount on services if you choose a provider participating with Careington. 

Vision Plan to Pair with Medicare

Medicare- Vision Insurance Option

Again, Medicare covers NO vision services. Individual vision insurance plans and standalone vision insurance for Medicare recipients are hard to find. That’s why this combined dental, vision, and hearing insurance plan from Manhattan Life is a great purchase. 

The vision insurance portion of this policy may include:
  • Basic eye exam or eye refraction
  • Eyeglasses
  • Contact Lenses

What’s really nice about this plan, is once approved, you have immediate coverage for a basic eye exam. And your benefits grow over time for major services increasing your coverage on eye care.

One of the best perks of this plan is that you can choose any eye doctor since there are no networks. This makes it a great choice to pair with your Medicare program. 

Dental Insurance for Medicare Participants

Medicare- Dental Insurance Option

Oral care is important to overall health. When not maintained, it can be cumbersome to both your health and wealth.  As a reminder, original Medicare does not include dental benefits like routine teeth cleanings. 

Individual dental insurance plans and standalone dental insurance for Medicare recipients are few and far between. This plan from Manhattan Life is a great option with immediate dental benefits.  

The dental insurance portion of this policy may include:
  • Semi-annual exam and cleaning
  • X-rays, fillings, extractions
  • Bridges, crowns, dentures
  • Root canals

Once approved, participants have immediate coverage for preventative and basic dental services. And your benefits grow over time for major services increasing your coverage on dental care.

One of the best perks of this plan is that you can choose any dentist since there are no networks.

Hearing Insurance for Medicare Participants 

As we age, our hearing tends to decrease. In fact, more than 90% of adults with hearing loss are age 50 or older. Hearing aids can make an incredible difference in quality of life where hearing loss is an issue. However, hearing aids and hearing exams are not covered under original Medicare. This Manhattan Life insurance plan also covers hearing services. 

The hearing insurance portion of this policy may include:
  • Routine hearing exam
  • Hearing aid
  • Hearing aid supplies or repairs

There is no need to wait as once you are approved for this plan, you have immediate coverage for a hearing exam. And your benefits grow over time for major services increasing your coverage on hearing care and needs.

One of the best perks of this plan is that you can choose any doctor since there are no networks.

How You Can Get Dental, Vision, & Hearing Coverage

Are you turning 65 soon? Have you figured out the rest of your healthcare but not this one missing piece? Let Medicare Dana help you. We work to find you the right plans for your needs at a low price. 

To help you obtain the best Medicare Plan and answer all your Medicare questions, contact Medicare Dana: 512-666-7785, fill out a contact form, or leave a comment below. Looking forward to hearing from you!

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