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Dental Vision And Hearing Insurance

Aetna Dental And Vision Insurance For Seniors

Senior Dental Plans – Also Vision and Hearing Coverage

Aetna dental and vision plans are available in 36 states nationwide. Dental coverage comes with a $100 deductible and a $1,000 or $1,500 benefit. There is no waiting period for biannual cleanings, semi-annual exams, x-rays , or fillings and extractions . You will have 60% coverage in year one, 70% in year two, and 80% in year three.

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There is a 12-month waiting period for major services with 60% coverage in year two. Coverage for major services includes root canals, periodontal surgery, bridges and crowns, and complete or partial dentures.

Aetna vision benefits come with 60% coverage for year one, 70% coverage for year two, and 80% for year three, with a $200 maximum for the first two years. This includes coverage for eye exams, eyeglasses, and contact lenses.

Besides vision and dental, Aetna hearing coverage comes with a $100 deductible and a maximum of $500 during any calendar year. Your benefits do not kick in until the second year. In year two, you will have 70% coverage. By year three, you will have 80% coverage.

How Do Dental Vision And Hearing Plans For Seniors Work

Dental and vision plans for seniors provide benefits Original Medicare does not cover. These plans combine dental, vision, and often hearing benefits into one easy-to-use policy. Dental and vision plans have a maximum benefit that the plan pays out each year.

When you enroll, you can choose your maximum benefit amount. Typical options range from a $1,000 maximum benefit to a $5,000 maximum benefit. So, you can decide which amount best fits your needs.

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Plus, if you need more benefits in the future, you can change your coverage level at any time. However, you may encounter a waiting period before you can use significant service benefits.

An advantage to enrolling in a dental and vision insurance plan is the approval guarantee regardless of your health.

However, it is vital to ensure your doctors will accept your plan. Fortunately, many policies are PPO-style, so any dentist or optometrist may accept them. Yet, to receive the planâs maximum benefit, you should see an in-network provider.

Where These Dvh Insurance Plans Fit Very Well

Most people purchase dental vision hearing insurance plans as a stand-alone plan. That is fine. However, did you know these plans work great as secondary or supplemental dental coverage? Same for vision and hearing, too. That means you might have an almost net zero premium payment and greatly minimize your out-of-pocket expenses.

How is that, John, you ask? I dont want to pay double.

Lets show an example. Maybe that will clear things up.

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What Does Dvh Insurance Cover

Coverage with a dental, hearing, and vision plan varies according to the plan and provider you choose, but the following benefits are common:

  • Preventive dental services: Semi-annual exam, cleaning, and bite-wing x-rays are typically covered at 100% when you use an in-network provider and 80% if you go out-of-network.
  • Basic dental services: Fillings, simple extractions, panoramic x-rays, and non-surgical periodontal services usually have no waiting period before coverage begins.
  • Major dental services: Crowns, bridges, root canals, dentures, implants, full-mouth extractions, and surgical periodontal services usually have minimal coverage in your first year and 50% in years two and beyond.
  • Orthodontia: Devices like braces are typically covered at around 50% after a 12-month waiting period.
  • Eye exams, prescription lenses, and refraction: Coverage begins in year one for these basic services.
  • Eyeglass frames and contact lenses: Typically limited to one set of frames or lenses each year.
  • Hearing exams, hearing aids, and supplies: A typical yearly max is $750 per ear.
  • You may have a 12-month waiting period for new hearing aids and/or repairs to existing hearing aids.

The Importance Of Hearing Coverage

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Hearing loss is a common problem, affecting millions of people across the country. Its not just an annoyance untreated hearing loss can lead to social isolation, depression, and cognitive decline. People with hearing loss are also more likely to suffer falls and accidents. Therefore, getting your hearing checked regularly and treating any problems as soon as possible is advisable.

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Dental Vision And Hearing Plans

Please see the following sections for descriptions of four different types of dental, vision, and/or hearing plans. Plans vary between states and individual insurance carriers and in most cases are available without the necessity of answering health questions.

You can apply entirely on-line for many of the insured or discount plans offered on the linked pages. Other carriers offer dental insurance on their sites, and a few also offer discount plans. Please call us at 877-734-3884 for more information about any of these plans, as well as any of the plans offered here. We can also help you apply if you don’t want to apply on your own on-line.

Affordable Care Act open enrollment began November 1, 2021 on the Federal Facilitated Marketplace . You can only buy an Affordable Care Act plan for the remainder of 2022 if you have

what kind of plan you may be eligible for.

The Medicare Annual Enrollment Period ended December 7, 2021 for a

Youre eligible to enroll now if youre first becoming eligible for Medicare or are eligible for another type of enrollment period. Enrollment rules differ between

How Medicare And Hearing Insurance Coexist

If you only have Original Medicare, it does not cover hearing aids. Part B does cover some hearing tests, such as diagnostic hearing and balance exams. You will have to go through your primary care provider for your initial screenings. Once they recommend that you need additional treatment, your Part B coverage will pay for a portion of the costs.

Medicare Supplements can help some, but its coverage only triggers after Original Medicare pays first. So, unfortunately, it likely will not cover hearing aids either.

A standalone dental, vision, and hearing plan will help cover the costs of hearing aids and other services like routine exams. A Medicare Advantage plan with hearing benefits included may also offer coverage, but you will have to consult a licensed Medicare insurance agent regarding plan details.

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What Is Vision Coverage And What Does It Include

Vision coverage offers insurance for vision care and services. Most vision insurance plans include some combination of:

  • Annual Eye Exams: Most plans will cover at least one comprehensive eye exam per year. You can use this benefit for a routine checkup or a more in-depth exam to diagnose a specific problem.
  • Glasses And Contact Lenses: You can usually get some help paying for glasses or contact lenses with vision insurance. Some plans will cover the total cost of these items, while others will only cover a portion.
  • Discounts On Vision Services And Products: If you need a service that your plan doesnt fully cover, you may still be able to get a discount. For example, many plans offer a discount on laser eye surgery.

Medicare Advantage Vs Original Medicare

Dental, Vision, and Hearing coverage all in one GREAT plan!

There are several key differences between Original Medicare and Medicare Advantage plans, including:

  • Provider: With Medicare Advantage, youll have to use the providers in your plans network. With Original Medicare, you can see any doctor or provider that accepts Medicare .
  • Prescription Drugs: With an Advantage plan, youll usually get prescription drug coverage as part of your plan. With Original Medicare, youll have to sign up for a separate Part D prescription drug plan.
  • Enrollment Process: You must have Part A and Part B to enroll in an Advantage plan. Since many Advantage plans are available, youll also have to compare and choose one before enrolling.
  • Cost: The monthly premium for an Advantage plan may be lower than what youd pay for Original Medicare plus a Part D plan, but it depends on the specific plan. Both options may require you to pay deductibles, copayments, and coinsurance.

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What Treatments Do Dvh Plans Cover

Plan benefits vary greatly just like any type of insurance. All plans with have waiting periods for some services. Identifying an affordable plan with minimal waiting periods and easy-to-use processes is key.

Opting into dental treatment might seem optional until you break a tooth and end up in excruciating pain. The same can be said with vision plans. Everything seems optional until you get that bill for your glasses.

Do Seniors With Medicare Advantage Need Dental Vision And Hearing Insurance

Some Medicare Advantage plans come with some dental, vision and/or hearing coverage. And the coverage may not be as extensive as with a stand-alone plan. Its recommended that you review the details of your plan carefully, or consult with a licensed insurance agent, to see if you may need additional coverage.

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Does Original Medicare Include Dental And Vision Coverage

Dental and vision benefits are crucial as we age. Unfortunately, Original Medicare does not offer coverage for dental, vision, or hearing services. That is why enrolling in a stand-alone dental, vision, and hearing policy is important to supplement your Medicare benefits.

When you enroll in Original Medicare, adding dental and vision to your rolodex of coverage makes sense. Obtaining dental, vision, and hearing coverage can prevent several major health concerns and help you keep up with routine health maintenance.

Other Benefits You Can Obtain With Medicare Advantage

Dental, Vision, and Hearing Insurance Plans in Decatur, IL

In addition to the potential benefits already mentioned, you may be able to get additional perks with a Medicare Advantage plan. Some examples include:

  • Routine Checkups And Screenings: Routine checkups and screenings are generally preventive services that help you maintain your health or catch problems early on. They can include annual physicals, breast cancer screenings, and colonoscopies.
  • Care Coordination: Care coordination is when different parts of your care team work together to ensure you get the care you need. For example, your primary care doctor may coordinate with your specialists to guarantee everyone is on the same page about your treatment.
  • Fitness Programs: Some Medicare Advantage plans offer fitness programs that can improve your health. These programs might include discounts on gym memberships or home exercise equipment.

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What Is Dental Coverage And What Does It Include

Dental coverage is insurance that helps you pay for dental care. Most dental plans will cover preventive care, including routine cleanings and x-rays. These services are a great way to avoid more serious issues. In addition, dental coverage usually includes basic procedures like fillings and extractions and sometimes more extensive work like crowns or dentures.

Dental Vision And Hearing Insurance Options

As people enroll in Medicare, many forget to make note of its limits. While Medicare Part A covers emergency room situations, its a different story when it comes to covering vision and dental procedures. It is important to understand your options and what everything covers, so youre prepared when your doctor or dentist prescribes treatments or schedules procedures. Here is an overview of the various Medicare Plans, so you will know how youre covered for vision and dental treatments.

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Medicaid And Medicare Enrollees Need Dental Vision And Hearing Benefits

More than 88 million adults in the United States are enrolled in Medicare or Medicaid. Most do not have comprehensive health coverage for vision, dental, or hearing benefits, often leaving them without the care they need to protect their health and quality of life. Congress increasingly appears to be considering adding coverage for these services in Medicare as it should. But in doing so, it should also guarantee access to the same benefits for low-income adults with Medicaid coverage.

Lack of access to dental, vision, and hearing care can pose serious risks for overall health. The absence of routine care can delay diagnosis of some serious health conditions, leading to complications and more costly treatments later. For example, researchers have found that lack of dental coverage in Medicaid leads to additional emergency department visits dental-related emergency department visits increased by 32 percent among adult Medicaid enrollees in California after the state eliminated dental coverage in 2009. Even when not associated with other health concerns, dental, hearing, and vision problems can decrease individuals quality of life and impede participation in their communities.

“Ensuring that Medicaid as well as Medicare enrollees can access these benefits could reduce disparities in access to care and prevent more serious health problems.”

What Does Original Medicare Part A Cover

Central United Life Dental, Vision and Hearing Insurance

Medicare Part A on its own will not cover basic dental services. This includes regular dental exams, cleanings, fillings, tooth extractions, and dentures. However, there are a few emergency situations in which Medicare might cover your dental treatment:

  • If you have a problem with your jaw, Medicare Part A might cover the reconstruction of the jaw or a tooth extraction that is the result of a jaw injury.
  • Medicare Part A will cover the hospital stay for a complicated dental procedure, but not the procedure itself.
  • Medicare Part A might cover a preliminary dental exam if its required for certain medical treatments such as a kidney or heart transplant. This typically depends on who is performing the exam.

As you can see, these situations arent exactly Medicare dental plans, but rather other emergency treatments that happen to involve your teeth.

Medicare Part A also doesnt cover eye exams, eyeglasses, or contact lenses. Since 75 percent of adults use some form of vision correction and nearly everyone uses their mouth regularly, most Medicare patients consider additional options to cover their dental and vision needs.

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How Dental Vision And Hearing Plans Work

DVH plans combine all three benefits – dental, vision, hearing – into a single plan. You typically choose a maximum benefit and can visit any provider, without having to worry about the network. There is also the option to have stand alone plans for a single, such as senior dental insurance, or two of the three benefits.

Why Seniors Need Dental Vision Hearing Insurance

Original Medicare can help provide older Americans with health coverage, but generally it doesnt pay for most dental, vision, or hearing insurance for seniors, which can leave you responsible for these expenses. Purchasing individual coverage for each of these services can be a convenient solution.

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The Cost Of These Benefits Is It Worth The Investment

Enrollees typically pay a monthly premium in addition to their Part B premium. Other out-of-pocket costs may include deductibles, coinsurance, and copayments. Deductibles are the amount you pay for covered services before your insurance company starts paying. Coinsurance is your share of the cost of a covered benefit, and copayments are a set fee you pay for certain services.

The specific amount youll pay will depend on the plan you choose. Medicare Advantage plans with more comprehensive coverage will have higher premiums, so keep your budget in mind before enrolling. Are you wondering whether these plans are worth the investment? Consider how often you use dental, vision, and hearing services. If you have frequent dental problems or wear glasses or contacts daily, Medicare Advantage could save you money in the long run.

Cigna Dental And Vision Insurance For Seniors

Getting Started Selling Dental, Vision, and Hearing Insurance

Cigna dental and vision plans help Original Medicare beneficiaries cover one of the biggest holes in their health care coverage. Cigna dental and vision policies offer coverage for seniors in 36 states and have accepting providers in all 50 states. So, if you want coverage to travel with you wherever you go, Cigna offers a plan to fit your needs. Additionally, Cigna dental and vision insurance for seniors also provides hearing benefits that include hearing aid coverage.

Cigna dental plans offer benefit amounts from $1,000 to $5,000 annually. This means there is a policy for everyone.

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Find the most affordable Medicare Plan in your area

When you enroll in a Cigna dental and vision plan, you receive 100% coverage for your preventive services from day one. Then, for major services, you will receive 60% coverage in year one, 70% in year two, and 80% in year three. Major services include root canals, periodontal surgery, bridges and crowns, and complete or partial dentures.

Cigna provides one of the largest networks of trusted dentists, optometrists, and audiologists. When it comes to vision coverage, you will receive up to $200 for lenses from an accepted provider.

Additionally, when you use Cigna to cover hearing aids, you can receive up to $500 to help cover these costs.

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Want To Learn More About This Plan Check Out The Video Below

This plan almost sounds too good to be true, huh? Well, we are thrilled to inform you this plan is the real deal! Its really that simple. No fine print. No hidden fees. That is why this plan is the #1 Dental, Vision & Hearing plan among our clients. Just because there is no Medicare dental, vision & hearing coverage doesnt mean you have to go without!

Give us a call at or email us at and wed be more than happy to assist you!

What Does Hearing Insurance Cover

Hearing loss affects 1 in 4 seniors by the time they reach the age of Medicare eligibility. Unfortunately, Medicare doesnt offer any coverage for hearing exams or hearing aids.

Hearing insurance is the only way to get help paying for those things.

At National Medicare Advisors, we specialize exclusively in Medicare. With an average of 10 years of experience, our brokers focus on educating you first so your decision can be an informed one.

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