Dental, Vision & Hearing Coverage

About Dental, Vision & Hearing Coverage

Original Medicare does not provide routine dental, vision, or hearing coverage. Medicare Part B DOES cover medically necessary procedures for conditions such as Glaucoma, Wet Macular Degeneration, Cataracts, and Diabetes-related vision issues. However, basic dental, vision, and hearing services are NOT covered by Medicare. Some individuals choose to self-pay for this coverage, while others prefer to have Dental Insurance (or Vision & Hearing). After vetting out the options, we offer a few different plans for Individual Dental (Vision & Hearing) Coverage.

Hand-Picked Plans for Individual Dental (Vision & Hearing) Coverage.

New plan available from Physician’s Mutual (A+ rated company) with no maximum annual benefit (for $56/mo. in premium). Most other dental plans have a maximum benefit of $1,500-$2,500 / year. This plan has unlimited benefits which is amazing.

Use your own provider, or choose one from the robust Ameritas PPO Network
Preventative (100% covered) and Basic (70% covered) covered Day 1
Major work covered at 70% (after 12-month waiting period)
Vision and Hearing Rider also available for ~$9/month

Manhattan Life Insurance offers a couple of insurance options: $1,000 and $1,500 maximum annual benefit plan.

Affordable premiums, as low as $37.58 a month (for ages 65-74)
Use your own provider, or choose one from the optional PPO Network
Guaranteed issue, there is no underwriting or stress about being approved
Covers two dental cleanings per year, plus glasses, contacts, hearing aids, and exams
Also covers endodontics, root canals, periodontal surgery, bridges, crowns, and dentures*

* Coverage for MAJOR services begins after year 1, 70% paid policy during year 2, and 80% policy paid year 3 and after.

Ameritas offer dental and/or vision coverage with up to $3,000 maximum annual benefit.

Freedom to use any dentist.
Ameritas network is also available for deeper discounts (over 400,000 Dentists in the network!)
Immediate coverage on preventive, basic & major services
100% coverage preventive care
Major work covered at 20-25% Day 1, then 50% starting Year 2.
Coverage available for all ages at a single rate
Optional vision rider for added value

Delta Dental in NJ offers a variety of dental options for individuals with ranges from $1,000 to $2,000 maximum annual benefit. The “Clear Plan” has no cap on the annual benefit amount.

Utilizes Delta’s strong network of dentists in NJ (PPO ~50% of NJ dentists or Premier ~90% of NJ dentists).
All plans includes Delta’s negotiated rates with the dentists
No waiting periods for any of the plan options if you have continuous dental coverage
The “Clear Plan” has no waiting periods (even if you do not have continuous coverage)

Dental, Vision & Hearing Coverage

About Dental, Vision & Hearing Coverage

Hand-Picked Plans for Individual Dental (Vision & Hearing) Coverage.

Ready to Speak With a Medicare Advisor?

Helpful Links

Locations

Free Download

Free Download