Medicare

Filling the gap Original Medicare leaves for dental, vision, and hearing.

Original Medicare generally doesn’t cover routine dental, vision, or hearing care. We help you find the right way to fill that gap, whether through a Medicare Advantage plan or a standalone policy.

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The Basics

How to get dental, vision, and hearing coverage on Medicare.

Some Medicare Advantage plans include dental, vision, and hearing benefits as part of the package. For those on Original Medicare or a Medigap plan, standalone dental, vision, and hearing policies are available separately.

Coverage levels vary widely, so it’s worth comparing what’s actually included rather than assuming any plan with ‘dental’ in the name covers what you need.

  • Fills a gap Original Medicare generally doesn’t cover
  • Available through some Medicare Advantage plans
  • Standalone policies available for those on Original Medicare or Medigap
  • Coverage levels and networks vary significantly by plan

Ways to Get This Coverage

  • • Medicare Advantage with built-in benefits
  • • Standalone dental plan
  • • Standalone vision plan
  • • Standalone hearing plan
What’s Included

Core elements of dental, vision & hearing coverage

Dental Care

Coverage for cleanings, exams, and often more extensive dental work.

Vision Care

Routine eye exams and an allowance toward glasses or contacts.

Hearing Care

Coverage for hearing exams and an allowance toward hearing aids.

Medicare Advantage Bundling

Understanding what’s included if these benefits come with your Advantage plan.

Standalone Policy Options

Comparing standalone plans if you’re on Original Medicare or a Medigap plan.

Annual Benefit Limits

Knowing the yearly cap so you can plan larger dental or hearing expenses.

Common Questions

Dental, Vision & Hearing FAQs

Does Original Medicare cover dental care at all?
Generally no, except in limited cases tied to a covered medical procedure. Routine dental care typically requires a Medicare Advantage plan or standalone policy.
Are hearing aids covered by Medicare?
Original Medicare generally doesn’t cover hearing aids. Some Medicare Advantage plans include an allowance, and standalone hearing plans are also available.
Can I add dental and vision to a Medigap plan?
Medigap itself doesn’t include these benefits, but standalone dental and vision policies can be purchased alongside a Medigap plan.

Let’s talk about your dental, vision & hearing coverage.

Belgrade-based advisors who know Montana risk, ready to help.

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