Coverage with Seniors In Mind
While cavities and other dental issues can popup at any age, seniors are far more likely to need dental care that goes beyond basic cleanings and fillings. And, as aging takes a toll on the eyes as well, many seniors require corrective lenses and regular therapies for an array of eye conditions and diseases. In addition to treating these health issues, proper dental and vision care plays a huge roll in the early detection of more serious conditions common as we age, such as malnutrition, heart disease, cancer, stroke, diabetes, glaucoma, cataracts and more.
While the need for dental and vision care for seniors is clear, Medicare does not cover these costs unless they are related to services received in a hospital (under Part A of your Medicare). Thus, the high cost of these services remains a barrier to good dental and vision care for seniors. On average, seniors pay over $1500 a year out-of-pocket on dental and vision services, and many pay much more. Affordable dental and vision coverage that is included in your Medicare Advantage, or purchased separately, but bundled with your Medicare Supplement plan, can go a long way to help offset these costs.
With seniors in mind, we have selected leading dental and vision carriers based on affordability, co-pays, waiting periods, annual maximums, and provider network. Check out our available coverage by clicking the carriers to the right. You’ll be able to compare plans and premiums, and enroll in a plan online.
Frequently Asked Questions about Dental & Vision Insurance for Seniors
When you retire and transition to Original Medicare, you’ll most likely have to pay for dental and vision care out of your own pocket. Typically, Medicare does not cover these costs unless they are related to services received in a hospital. Medicare does however cover some eye care services for diabetics, such as testing and treatment for diabetic retinopathy, or glaucoma. It also covers other eye disease, such as age-related macular degeneration (AMD).
Buying a Medicare Advantage (Part C) plan that includes dental and vision coverage is the only way you’ll receive these services under Medicare. Original Medicare and Medicare Supplement plans do not include dental or vision services, however, you can buy a separate dental or vision policy and bundle it with your Medicare Supplement.
Yes. Many of the carriers we work with offer standalone dental and vision plans to seniors. If you are also purchasing a Medicare Supplement, you may be offered a discount for bundling your plans. Please browse our standalone dental and vision carriers and plans above, to the right at the top of this page.
Whether you purchase a standalone policy, or a Medicare Advantage plan that includes dental services, you can typically choose between preventative service (exams & cleanings), basic coverage (fillings or restorative work) or major coverage (root canals, crowns, dentures and bridges). Plans that have major or extensive coverage may have higher premiums. Vision insurance typically includes preventative benefits such annual exams, glasses, and contact lenses. Some vision plans with higher premiums may offer additional benefits such as eyeglass lens coatings and enhancements, or discounts on some elective vision correction surgery like LASIK and PRK.
Whether you get more value from a Medicare Advantage plan that includes dental and vision coverage, or from a separate standalone policy, really depends on the amount of services you believe you will use, and on the rates. In addition to comparing premiums, you’ll want to also compare copays and annual maximum benefits of the plan. Some plans max out benefits after a certain amount and will not pay for further treatment or services until the next year. To get started finding the best plan for you, review the carriers and plans above. If you have any specific questions, feel free to ask a question using the online form below. All standard questions are typically answered within 24-48 hours.
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Quote & Buy Policies Online
Check out our available coverage by clicking the arrows below. You’ll be able to compare plans and premiums, and enroll in a plan online.
Humana
Buy Dental & Vision
Dental for Everyone
Buy Dental & Vision
Protector Plus Dental
(by Ameritas)
Buy Dental Only
GPM Health & Life
(by Ameritas)
Buy Dental & Vision
Ameritas
Buy Dental & Vision
Susan & David Lovelace
Medicare Insurance Advisors
Rest assured you will not pay higher premiums when buying an insurance policy from our website, and you'll have direct agent support at any time. Call us with any questions or submit the online form to the left.