Medicare Plans with Dental and Vision Coverage

Medicare plans with dental and vision coverage can help fill gaps that Original Medicare (Parts A & B) doesn’t cover—like routine cleanings, fillings, eye exams, and eyewear. Whether you prefer the simplicity of one all-in-one plan or the flexibility of stand-alone benefits, we’ll help you compare options so you can add the right level of dental and vision care to your Medicare strategy.

Add Dental & Vision to Your Medicare

Compare stand-alone dental and vision plans you can pair with Original Medicare or use alongside a Medicare Supplement.

View Ameritas Dental & Vision View National Care Dental & Vision

Two Ways to Get Dental & Vision with Medicare

1) Medicare Advantage (Part C) with Dental & Vision

One card, one plan: medical + many extras like dental, vision, and hearing.
Benefits vary by plan (e.g., preventive dental vs. comprehensive, basic eyewear vs. enhanced allowances).
Good fit if you want bundled benefits and predictable copays.

2) Stand-Alone Dental & Vision Plans

Pair with Original Medicare or Medicare Supplement (Medigap) for flexible, year-round coverage choices.
Choose networks, annual maximums, and coverage levels that fit your needs and budget.
Shop popular options: Ameritas Dental & Vision and National Care Dental & Vision.

What to Look For in Dental & Vision Benefits

Coverage scope: Cleanings, exams, X-rays, fillings, root canals, crowns, dentures; vision exams, frames, lenses, contacts.
Waiting periods: Some plans start preventive care immediately; complex services may have a short wait.
Annual maximums & allowances: Know the yearly cap for dental work and the dollar allowance for eyewear.
Provider networks: Confirm your dentist/optometrist is in-network for the best pricing.
Out-of-pocket costs: Compare premiums, copays/coinsurance, and any deductibles.
Flexibility: Prefer a bundled solution (Medicare Advantage) or the freedom of stand-alone plans?

Who Benefits Most

Original Medicare + Medigap users who want dental/vision add-ons without changing their medical coverage.
Budget-conscious retirees seeking predictable preventive care costs and eyewear allowances.
Frequent dental patients who anticipate major work (crowns, implants, dentures) and want higher annual maximums.
Glasses or contacts wearers who want routine exams and eyewear benefits each year.

Quick Comparison

Approach	Pros	Considerations	Good Fit For
Medicare Advantage with Dental & Vision	One plan for many benefits; often includes basic dental & vision; simple copays	Benefits vary by plan; networks and service areas apply	Those who want an all-in-one plan and are comfortable with networks
Stand-Alone Dental & Vision	Flexible plan design; pick dental and vision levels independently	Separate premium; review waiting periods and annual maximums	Original Medicare or Medigap users who want tailored add-ons

Compare Medicare Plans Instantly

Use our Medicare calculator to compare Supplement and Advantage options side by side. See how Plans differ in cost and benefits in your area.

How We Help You Decide

Review your current Medicare setup: Original Medicare + Medigap or Medicare Advantage.
Estimate your needs: Preventive only or upcoming major dental work? Glasses every year?
Run comparisons: We’ll price out bundled Advantage plans versus stand-alone dental/vision choices.
Select and enroll: Choose the plan combo that keeps your doctors, fits your budget, and meets your care expectations.

Ready to compare stand-alone options?

• Ameritas Dental & Vision
• National Care Dental & Vision

Case Example

Linda, 69, kept Original Medicare with a Medicare Supplement because she likes nationwide access to doctors. She wanted predictable dental cleanings and help paying for new glasses each year, so we paired her Medigap with a stand-alone dental & vision plan. She kept her doctors and added affordable routine care—no need to change her medical coverage.

Explore Other Insurances You May Find Useful:

Why Work With Diversified Insurance Brokers?

Since 1980, we’ve helped seniors compare Medicare plans and add the right dental & vision benefits—without overpaying. With access to many carriers and plan types, we tailor solutions to your doctors, budget, and care preferences. Learn more about why families choose to work with us.

Add Dental & Vision to Your Medicare Plan

Book a free consultation to compare Medicare Advantage with dental/vision vs. stand-alone options like Ameritas and National Care Dental.

FAQs: Medicare Plans with Dental & Vision Coverage

Which Medicare plans can include dental and vision?

Medicare Advantage (Part C) plans frequently bundle dental and vision benefits. Original Medicare (Parts A & B) generally does not. Medigap (supplements) typically doesn’t add routine dental/vision, but you can pair Medigap with separate stand-alone dental/vision plans.

What dental benefits do Medicare Advantage plans usually offer?

Commonly: preventive cleanings, exams, X-rays, and sometimes basic or major services (fillings, extractions, root canals, dentures, crowns) up to an annual dollar cap. Copays, coinsurance, waiting periods, and network rules may apply.

What vision benefits can be included?

Typically: routine eye exams, eyeglasses or contact lens allowances, and lens/frames discounts. Some plans also cover fittings and basic lens options; higher-end lenses or premium frames may have additional costs or limits.

Do Medigap (supplement) plans cover dental or vision?

No, Medigap fills certain cost gaps in Original Medicare but doesn’t add routine dental/vision. Many Medigap members buy separate stand-alone dental/vision policies if they want those benefits.

Are implants, dentures, or major dental work covered?

Some Medicare Advantage plans cover major dental services partially and up to an annual maximum, but many exclude or limit implants or pay only a portion. Always check the plan’s Evidence of Coverage for specifics and prior authorization requirements.

How do networks work for dental and vision?

Many plans require using in-network dentists/optometrists to get the best pricing or any coverage at all. Out-of-network benefits may be reduced or unavailable depending on plan type (HMO, PPO, etc.).

Is there an annual maximum for dental/vision?

Yes, most Advantage plans set an annual dental allowance or maximum benefit (e.g., $1,000–$2,000+). Vision typically uses an allowance (e.g., $150–$300) for frames/lenses. Preventive services may not count toward the max, but rules vary.

Do these benefits affect my Medicare Advantage premium?

Often, dental/vision are included in the plan’s premium—some plans have $0 premiums; others charge more. Even with $0 premium, you still pay Part B and any service-level copays/coinsurance, subject to the plan’s MOOP (maximum out-of-pocket) for medical services.

Can I add stand-alone dental/vision if I keep Original Medicare or Medigap?

Yes. You can purchase separate DVH (dental/vision/hearing) plans to pair with Original Medicare or Medigap. These plans have their own premiums, networks, covered services, and annual maximums.

When can I enroll or switch to get dental/vision benefits?

For Medicare Advantage: typically during the Annual Election Period (Oct 15–Dec 7) or if you qualify for a Special Enrollment Period. Stand-alone dental/vision plans can often be purchased year-round, subject to carrier rules and waiting periods.

Will cataract surgery or medically necessary eye care be covered?

Medically necessary services (e.g., cataract surgery) may be covered by Medicare (Original or Advantage) under medical benefits, separate from routine vision. Post-surgery basic lenses are often covered; upgrades may cost extra. Check your specific plan.

How do I compare plans with dental and vision?

Review: premiums, provider networks, covered services lists, annual maximums/allowances, copays/coinsurance, prior authorization rules, and waiting periods. Confirm your preferred dentists/optometrists are in-network before enrolling.