Best Dental, Hearing, And Vision Plan
As a certified Medicare Insurance Agent, we are asked on a regular basis, what dental, hearing, and vision plan is best.
Until recently, we recommended for most individuals to simply self insure meaning – pay cash.
This is due to one simple fact, most people have good teeth and eyesight.
By paying cash you will typically win the insurance game. This is because dental premiums, typically exceed your usual cost to get a cleaning.
It is not until you need something major, that the dental coverage starts to truly help out. Even then, it can be questionable.
Even when it starts to help, they typically require you to share in the cost of your major dental work from 30% to 80% of the total cost.
Most plans don’t include hearing aid coverage as part of their most comprehensive plan, so it didn’t make sense.
There is a new plan that came out a few years back, this plan changed our view on these coverages.
CHOOSE YOUR DENTIST
No Networks and No Hassle
SIMPLE APPLICATION
No Health Related Questions
GUARANTEED ISSUE
Age 18 to 85
SAVE WITH FAMILY RATES
Includes Up To 3 Children For Family Pricing
GUARANTEED RENEWABLE FOR LIFE
Low Monthly Premiums
New Comprehensive Package Dental, Hearing, And Vision Plan
There is a new comprehensive plan that allows you to use all or some of your annual limit towards any three of these services. In addition, it allows you to see any dentist, vision, and hearing doctor you would like. This is the broadest PPO type of coverage you can find.
If you decide to use a network dentist, then you could save more money on your dental procedure.
We also recommend, finding out if you can obtain additional savings if you pay with cash. If your dentist will provide a discount, you can then submit the bill for reimbursement. Depending on which discount is better, this can help in your decision making process.
You can also have the Dentist office submit for payment, directly to the insurance company.
It is important to review which payment option works best for your individual situation. No two businesses are the same, and they can offer you different discounts.
This program provides you with the flexibility and freedom many people are looking for.
Your monthly premium is locked in for life, at the age you sign up for the program. You will not face increases based on getting older. However, if the insurance company increases their overall rates this will cause your premium to increase.
DENTAL, VISION, & HEARING $1,000 MAX Monthly rate as low as $30.25
Preventive Services: Exams, Cleanings and X-rays
Basic Services: Fillings and Extractions
No waiting period for Preventive and Basic Service
Basic Eye Exam, Contact Lenses
Hearing Exam and Hearing Aids
No Enrollment Periods
12 Month Waiting Period For Major Service
DENTAL, VISION, & HEARING $1,500 MAX Monthly rate as low as $40.00
Preventive Services: Exams, Cleanings and X-rays
Basic Services: Fillings and Extractions
No waiting period for Preventive and Basic Service
Basic Eye Exam, Contact Lenses
Hearing Exam and Hearing Aids
No Enrollment Periods
12 Month Waiting Period For Major Service
DENTAL, VISION, & HEARING $3,000 MAX Monthly rate as low as $48.17
(Most Popular Option)
Preventive Services: Exams, Cleanings and X-rays
Basic Services: Fillings and Extractions
No waiting period for Preventive and Basic Service
Basic Eye Exam, Contact Lenses
Hearing Exam and Hearing Aids
No Enrollment Period
12 Month Waiting Period For Major Service
What’s Covered In My Dental, Vision and Hearing Insurance Plan?
Eligibility
Anyone age 18-85
Policy Year Maximum Benefit
$1,000 | $1,500 | $3,000 (choose one)
Policy Year Deductible
$100 per person enrolled into an individual or family plan
DENTAL
PREVENTIVE SERVICES
Semi-Annual exams, cleaning and x-rays
Year 1 – 60%
Year 2 – 70%
Year 3 and thereafter – 80%
No waiting period
BASIC SERVICES
Including x-ray (other than “full mouth”), fillings and extractions
Year 1 – 60%
Year 2 – 70%
Year 3 and thereafter – 80%
No waiting period
MAJOR SERVICES
Including bridges, crowns, full dentures or partials, full mouth extractions, and root canals
Year 1 – 0%
Year 2 – 70%
Year 3 and thereafter – 80%*
12 month waiting period
*In OH, year 2 and thereafter is 70%
VISION
Basic eye exam, eye refraction, including the cost of eye glasses or contact lenses
Year 1 – 60%
Year 2 – 70%
Year 3 and thereafter – 80%*
6 month waiting period
on eyeglasses and contact lenses
*In OH, year 2 and thereafter is 70%
HEARING
Exam, hearing aid and necessary repairs or supplies
Year 1 – 60%
Year 2 – 70%
Year 3 and thereafter – 80%*
12 month waiting period
on new hearing aids and existing hearing aid repairs
*In OH, year 2 and thereafter is 70%
Disclaimer: After your waiting period and once you have paid your Policy Year Deductible of $100, the insurance company will pay the percentages listed for the covered services up to the chosen Policy Year Maximum Benefit. Pricing is subject to change and falls into categories related to age, individual, and family size.
What States Is The Dental, Hearing, And Vision Plan Available?
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Delaware
- Washington DC
- Florida
- Georgia
- Idaho
- Illinois
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maryland
- Michigan
- Mississippi
- Missouri
- Montana
- Nebraska
- New Jersey
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- West Virginia
- Wisconsin
- Wyoming
Need Help Enrolling Into The Dental, Hearing, And Vision Plan
Integrity Now Insurance Brokers, is here to help you with all of your insurance needs. We love this plan as it give you the freedom to choose how to use your available funds depending on your needs for a particular year.
Most plans, only include Dental and maybe a vision plan bundle. However, the vision plan most people will typically break even on cost. There is typically no gain in the dental plan offered, and most individuals will end up paying more towards the premium and their share then they would if they just paid cash.
Lastly, hearing coverage that includes hearing aids seems to be almost non-existent. Some Medicare Advantage plans will offer limited hearing aid coverage, but they can be very limited.
If you enroll into a Medigap plan as most medicare beneficiaries do, this plan is perfect for you.
We are here to help you enroll into this amazing plan option. We can also assist you in other plan options if you so choose.
Feel free to give us a call or complete our online quote form.
