Dental, Vision & Hearing

Brooks Insurance Group can help you plan for all your health needs.

Health insurance often offers valuable coverage for many medical needs, but dental, vision, and hearing care can be limited, particularly under standard Medicare. Whether you're a senior over 65 or a younger adult with a disability or chronic condition, it's important to understand what’s covered and what options are available for additional benefits.

Options for Additional Dental, Vision & Hearing Coverage

To address these gaps, individuals of all ages, whether enrolled in Medicare or private insurance, can explore additional coverage options:

Medicare Part C (Medicare Advantage)

For Medicare beneficiaries, Medicare Advantage plans often include additional dental, vision, and hearing benefits, such as:

• Routine exams, cleanings, fillings, and dentures
• Eyeglasses, contacts, and eye exams
• Hearing tests and hearing aids

Standalone Insurance Plans

For both Medicare and non-Medicare individuals, private insurers offer standalone plans for:

• Dental (routine cleanings, X-rays, fillings)
• Vision (eye exams, glasses, contacts)
• Hearing (screenings, hearing aids)

These are helpful for people under 65 who do not qualify for Medicare but still want affordable coverage.

Discount Plans

Dental, vision, and hearing discount plans are available for all ages. These are not insurance but provide discounts for services through participating providers—an affordable alternative for those without employer-sponsored benefits or who need extra help covering routine care.

What’s Typically Covered by Medicare

Medicare Part A (hospital insurance) and Part B (medical insurance) provide limited dental, vision, and hearing benefits. Coverage may apply only in specific medical situations, such as:

• Eye exams for diabetic retinopathy
  
• Cataract surgery and post-surgery corrective lenses
  
• Diagnostic hearing and balance exams ordered by a doctor
  
• Emergency dental care during a hospital stay

However, routine care—like dental cleanings, eyeglass prescriptions, and hearing aids—is typically not covered and may require separate coverage.

What to Consider When Choosing a Plan

When selecting a dental, vision, or hearing plan, consider your current and future health needs, such as ongoing treatments or anticipated care. Review what each plan includes—like exams, devices, and provider access—and check whether your preferred doctors are in-network. It's also important to compare premiums, copays, and total costs, and ensure the plan gives you access to local providers. For Medicare Advantage, enrollment changes can be made during the Annual Enrollment Period (October 15 to December 7), while private plans may offer more flexible timing.

Add dental, vision, or hearing coverage. Ask a broker about your options ➜