Dental, Vision & Hearing Coverage
Routine care Original Medicare does not pay for.
Overview
Cleanings, fillings, dentures, glasses and hearing aids are some of the most common out-of-pocket costs for Florida retirees, and Original Medicare covers almost none of them.
If you have a Medicare Advantage plan, check the benefit details carefully. Many plans include preventive dental but cap comprehensive work at a low dollar amount. If you are on a Supplement, a stand-alone dental, vision and hearing policy can fill the gap.
We compare the plan allowances, waiting periods and dentist networks near you, and we tell you honestly when a policy costs more than the care it would pay for.
What's included
Preventive dental
Two cleanings, exams and X-rays each year, often at no cost.
Fillings and extractions
Basic services covered at 50 to 80 percent after any waiting period.
Crowns, bridges and dentures
Major services with annual maximums from $1,000 to $3,000.
Routine eye exams
Annual refraction exam with an in-network optometrist.
Glasses or contacts
Frame and lens allowances, usually once every one or two years.
Hearing aids
Hearing tests and discounted or covered hearing aids through a partner.
How we help you choose
Our process for dental, vision & hearing takes about an hour of your time, spread over one or two conversations.
Map your expected care
Tell us about upcoming dental work, glasses or hearing needs.
Check your dentist
We confirm whether your dentist is in network before you apply.
Compare real value
Premiums versus annual maximums and coinsurance, in actual dollars.
Enroll any time
Stand-alone policies can start the first of next month.
Why people choose it
Keep your smile affordable
Spread the cost of major dental work over predictable premiums.
See and hear clearly
Regular eye exams and hearing checks catch problems early.
No annual enrollment limits
Stand-alone plans are not tied to Medicare enrollment windows.
What it costs
Costs depend on your county, carrier and income. These sample figures help you budget.
| Cost | Sample amount | Good to know |
|---|---|---|
| Stand-alone DVH premium | $32 - $68/mo | Sample Sarasota range |
| Annual dental maximum | $1,000 - $3,000 | Varies by plan |
| Eyewear allowance | $100 - $250 | Per benefit period (sample) |
| Hearing aid copay | $299 - $1,199 per aid | Through plan partners (sample) |
| Major dental waiting period | 0 - 12 months | Depends on the policy |
Figures are samples for illustration and are not a quote. Confirm current amounts on Medicare.gov or with a licensed agent.
Dental, vision & hearing questions
Ask us anything else on a free call.
Original Medicare does not. Some Medicare Advantage plans and stand-alone dental policies do, usually up to an annual maximum.
Supplements do not include dental, but you can buy a separate dental, vision and hearing policy at any time of year.
Not by Original Medicare. Many Advantage plans include a hearing aid benefit, and stand-alone plans often offer discounts.
Get help with Dental, vision & hearing
Free, no-pressure help comparing the plans we offer in your county. Most calls take about 20 minutes.
Licensed agents. TTY 711. Mon-Fri 8am-8pm, Sat 9am-2pm ET.
