Medicare nor Medicare Supplements help pay for dental, vision, or hearing costs. That’s why there are specific insurance plans that help fill in this gap.
These Dental, Vision, and Hearing insurance plans, also referred to as DVH plans, help pay for these costs on a sliding scale. There is usually a maximum benefit for the year along with a small yearly deductible and potential coinsurance.
For example, a traditional plan might have a $1,000 maximum benefit for the year with a $100 deductible. Preventative services may be fully covered, but major services like dentures might have a 50% coinsurance.
|Policy Year Maximum Benefit||$1,000|
|Policy Year Deductible||$100|
|Preventative Services (ex: cleanings)||0% coinsurance|
|Major Services (ex: dentures)||50% coinsurance|
Q How much does DVH insurance cost?
A Dental, Vision, and Hearing insurance is generally very inexpensive. A basic plan (less coverage) usually costs around $35 per month, while a preferred plan (high coverage) can cost up to $75 per month.
Q Do I have to pass health questions?
A These policies usually do not have any medical underwriting, which means you won’t have to pass any health questions.
Q What does a Dental, Vision, and Hearing plan cover?
A DVH plans often cover common services, like cleanings, x-rays, contact lenses, and hearing aids. Make sure to go over the limitations and exclusions with your agent. There will be a list of things not covered by the plan, and you want to be in the know before signing on the dotted line.
Q Do I have to go to a health provider in a specific network?
A It depends on the plan, but most plans will allow you to see any doctor. However, there is typically a “preferred” network, and if you see a doctor in that network, you can receive additional discounts or a lower coinsurance.