Dental & Vision Insurance
Don’t neglect your teeth and eyes. Affordable dental and vision plans to keep you healthy and smiling.
Dental & Vision Coverage That Actually Covers
Original Medicare doesn’t cover routine dental or vision care. Stand-alone dental and vision plans fill that gap with coverage for cleanings, exams, crowns, eyeglasses, and more — starting at affordable monthly premiums.
Your Teeth and Eyes Deserve Coverage Too
Here’s something that surprises a lot of people: Original Medicare does NOT cover routine dental care, eye exams, or eyeglasses.
That means if you have a Medigap plan and Original Medicare, you’re paying for dental and vision entirely out of pocket. A single crown can cost $1,000+. A pair of progressive lenses can run $300-500. And skipping dental care leads to bigger (and more expensive) problems down the road.
The good news? Standalone dental and vision plans are affordable — many cost less than a couple of coffee runs per week — and they can be enrolled in at any time.
Whether you need a comprehensive dental plan, basic vision coverage, or want to know if your Medicare Advantage plan’s dental benefits are enough, we’ll help you figure out the best approach.
What Dental & Vision Plans Cover
🦷 Dental Coverage
| Preventive (cleanings, X-rays, exams) | 100% covered |
| Basic (fillings, extractions, root canals) | 70-80% covered |
| Major (crowns, bridges, dentures) | 50% covered |
| Annual Maximum | $1,000-$2,000 |
Most plans have a 6-12 month waiting period for major procedures.
👓 Vision Coverage
| Annual Eye Exam | Covered (copay $10-25) |
| Frames Allowance | $100-$200/year |
| Lenses | Covered (single/bifocal/progressive) |
| Contact Lens Allowance | $100-$200/year |
Many plans also offer discounts on LASIK and additional pairs of glasses.
What Does Dental & Vision Insurance Cost?
| Plan Type | Monthly Cost | Annual Cost | Typical Annual Benefit |
|---|---|---|---|
| Dental — Preventive Only | $15-25/mo | $180-300/yr | 2 cleanings, 1 X-ray, 1 exam |
| Dental — Comprehensive | $30-50/mo | $360-600/yr | $1,000-$2,000 annual max |
| Vision Only | $10-20/mo | $120-240/yr | Exam + $150-200 frames/lens allowance |
| Dental + Vision Bundle | $35-60/mo | $420-720/yr | Combined dental + vision benefits |
Tip: If you only need cleanings and exams, a preventive-only plan or a dental discount plan may save you more than comprehensive coverage.
Why Get Dental & Vision Through Senior Benefits Hub?
🔍 We Compare Your Options
Standalone plan vs. Medicare Advantage dental benefits vs. dental discount plans — we’ll figure out which approach saves you the most money.
🦷 Dentist Network Check
We verify your preferred dentist and eye doctor are in-network before you enroll. No surprises at your next appointment.
💰 Free Guidance
Same plans, same prices as going direct. Our comparison and recommendation service is included at no cost.
Dental & Vision Insurance: Frequently Asked Questions
Does Medicare cover dental and vision?
Original Medicare (Parts A & B) does NOT cover routine dental care, eye exams, or eyeglasses. Some Medicare Advantage plans include dental and vision benefits, but coverage varies widely. If you’re on Original Medicare with a Medigap supplement, you’ll need a separate dental and/or vision plan.
What do standalone dental plans typically cover?
Most dental plans cover preventive care (cleanings, X-rays, exams) at 100%, basic procedures (fillings, extractions) at 70-80%, and major procedures (crowns, dentures, root canals) at 50%. Many plans have waiting periods for major procedures — typically 6-12 months.
How much does dental insurance cost?
Individual dental plans typically range from $20-$50/month. The annual maximum benefit is usually $1,000-$2,000. For people who need significant dental work, the math sometimes favors paying out of pocket vs. premiums + waiting periods. We’ll help you decide what makes sense.
What does vision insurance cover?
Vision plans typically cover an annual eye exam, an allowance for frames and lenses (usually $100-$200), and discounts on contact lenses. Some plans also offer discounts on LASIK. Vision plans are very affordable — usually $10-$20/month.
Are dental and vision plans available year-round?
Yes. Unlike Medicare Advantage and ACA plans, standalone dental and vision plans can generally be purchased at any time. However, many dental plans have waiting periods for major services, so enrolling sooner means you’ll have full coverage sooner.
Can I get dental and vision through Medicare Advantage?
Yes — many Medicare Advantage plans include dental and vision benefits at no extra cost. However, coverage levels vary. Some plans offer comprehensive dental (cleanings, fillings, crowns) while others only cover preventive care. We compare the dental/vision benefits of MA plans during our Medicare consultations.
Get Your Free Dental & Vision Quote
Tell us your needs and we’ll compare plans and find the right coverage for your teeth and eyes.
Senior Benefits Hub is a service of Triangle Life & Health®