Coverage
Dental & Vision
Original Medicare does not cover routine cleanings, fillings, dentures, eye exams, or glasses. A standalone plan is one way to fill that gap.
Two ways to get this coverage
Some Medicare Advantage plans include dental and vision benefits, and where they do, those benefits come with the plan at no separate premium. They also come with limits — often an annual allowance, a defined network, and a list of covered procedures — and they can change each January along with the rest of the plan.
A standalone dental and vision policy is bought separately and stands on its own. It does not depend on your Medicare plan, does not change when you switch Medicare plans, and typically offers a wider choice of dentists. You pay a separate monthly premium for it.
Which route makes sense depends on what dental work you expect. For cleanings and exams, a plan’s included benefit is often enough. For a crown, a bridge, or dentures, the annual maximum is usually where the question gets decided.
What to look at before buying
- The annual maximum — the most the plan will pay in a year.
- Waiting periods before major work is covered.
- Whether your dentist participates, and what changes if they do not.
- How the plan handles the specific procedures you expect to need.
Typically covered
- Preventive care such as exams, cleanings, and x‑rays
- Basic services such as fillings and extractions
- Major services such as crowns, bridges, and dentures, usually after a waiting period
- Routine eye exams and an allowance toward frames or lenses
Not sure whether your Medicare plan already covers this?
Call with the plan name and we will read the benefit summary with you before you buy anything extra.
By calling this number, you will be connected with a licensed insurance agent who can answer questions about the plans we offer. There is no cost or obligation to talk.