Dental, Vision & Hearing Plans

At Compass Health & Wealth, we help you protect your full health — including your teeth, eyes, and ears.

Why Medicare Beneficiaries Need Dental, Vision, and Hearing Coverage

Original Medicare helps cover many hospital and medical expenses, but it does not cover most routine dental, vision, or hearing (DVH) services. Because Original Medicare alone can leave coverage gaps and out-of-pocket costs, many people choose additional coverage through a Medicare Advantage plan or a Medicare Supplement (Medigap) plan.


Here’s what’s generally not covered by Original Medicare:


  • Dental cleanings, exams, fillings, dentures, and most routine dental care


  • Vision exams, glasses, contact lenses, and routine eye care



  • Hearing exams and hearing aids


Medicare Part A may cover certain dental services only when they are connected to a covered inpatient hospital procedure. Medicare Part B covers limited medically necessary vision services, such as cataract surgery, but does not cover routine vision care.

A man wearing glasses and a turtleneck is walking down the street.

Options for Dental, Vision & Hearing Coverage

There are three common ways to get DVH benefits when you’re on Medicare:


  • Bundled Health Insurance Plans: Some plans include DVH benefits like routine cleanings, eye exams, glasses, or even hearing aids. Talk to us about details and options.

  • Standalone DVH Plans: Separate insurance can be purchased for dental, vision, and hearing. These plans are flexible and available for enrollment year-round.

  • Discount Plans (Non-Insurance): Discount networks offer reduced rates for services, but don’t provide coverage or financial protection. You pay the provider directly at a discounted rate.

Choosing a Dental, Vision & Hearing Plan

Here are some things to consider when comparing DVH plans:


  • Your Health Needs: Consider any known or likely care needs (e.g., dentures or implants, hearing aids, cataract care), as well as routine services.

  • Benefits & Services: Check for preferred providers, frequency limits, and maximum benefits.

  • Costs & Budget: Compare premiums, copays, and annual benefit maximums. Some standalone DVH plans have generous coverage but higher premiums, while others trade off coverage for lower monthly costs.

Enrolling in DVH Plans

Standalone DVH plans are often open to enrollment year-round, with no need to wait for a specific enrollment period. Confirm availability windows with specific carriers in your region. (We can help with this!)

Dental, Vision, and Hearing

Frequently Asked Questions

  • Is dental, vision, or hearing coverage included in Medicare?

    Original Medicare does not cover most routine dental, vision, or hearing (DVH) care. However, many Medicare Advantage plans include some dental, vision, and hearing benefits as part of the plan. Coverage and benefit amounts vary by plan.

  • Can I buy a dental, vision, and hearing plan without changing my Medicare coverage?

    Yes, you can purchase a standalone DVH policy separately from Medicare.

  • Does DVH coverage include hearing aids?

    Original Medicare does not cover hearing aids, but some DVH plans do. Check the plan’s summary of benefits.