Even with Medicare coverage, you will pay out of pocket for expenses like dentures, hearing aids, and eye exams for prescription glasses. Original Medicare does not include dental, vision, or hearing benefits. The good news is, there are affordable DVH plans available to all Medicare beneficiaries. Applying for these plans is easy, and your coverage could begin a few days after signing up.*
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How Do DVH Plans Work?
These style plans combine all three benefits into one single plan. They have a maximum benefit choice of $1,000, $1,500, $2,500, or $3,000 in certain states. An advantage to enrolling in a DVH plan is you are guaranteed to be approved regardless of your health.*
DVH plans also allow you to use it at ANY provider’s office, which means there are no network restrictions. Another benefit; no waiting periods for preventive care.*
What’s Covered Under DVH Insurance Plans?
- Routine dental cleanings and deep-root cleanings
- Cavity fillings and root canals
- Bridges, crowns, and denture
- Hearing exam
- Hearing aids
- Routine eye exams
- Glasses
- Contact lenses
What Medicare Carriers Offer Dental, Vision, and Hearing Plans?
Fortunately, many well-known and trusted Medicare carriers offer DVH plans. This includes carriers such as Aetna, Manhattan Life, Medico, and National General.*
Most carriers have no waiting period for preventative care. There is a 12-month waiting period on major services with most plans.*
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Aetna DVH Plans
Aetna Dental Coverage
Aetna dental coverage comes with a $100 deductible with a $,1000 or $1,500 benefit. There is no waiting period for bi-annual cleanings, semi-annual exams, x-rays, (with the exception of full mouth), or fillings and extractions. (excluding impacted wisdom teeth) You’ll have 60% coverage on year one, 70% coverage on year two, and 80% coverage on year three.*
There’s a 12-month waiting period for major services with 60% coverage on year two. Coverage for major services includes root canals, periodontal surgery, bridges & crown, and full or partial dentures. *
Aetna Vision Coverage
Aetna vision benefits come with 60% coverage on year one, 70% coverage on year two, and 80% coverage on year three with a $200 maximum for the first two years. This includes coverage for eye exams, eyeglasses, and contact lenses. *
Aetna Hearing Coverage
Aetna hearing coverage comes with a $100 deductible and a maximum of $500 during any one calendar year. Your benefits do not kick in until year two. In year two, you’ll have 70% coverage. By year three, you’ll have 80% coverage. *
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Manhattan Life DVH Plans
Manhattan Life Dental Coverage
Manhattan Life dental benefits also come with a $100 deductible with a $,1000 or $1,500 benefit. There’s no waiting period for bi-annual cleanings, semi-annual exams, x-rays, (with the exception of full mouth), or fillings and extractions. You’ll have 60% coverage on year one, 70% coverage on year two, and 80% coverage on year three.*
There’s a 12-month waiting period for major services. Coverage for major services includes root canals, periodontal surgery, bridges & crown, full or partial dentures, as well as full mouth extractions. (unlike Aetna)*
Manhattan Life Vision Coverage
Manhattan Life vision benefits come with 60% coverage after 6-months, 70% coverage on year two, and 80% coverage on year three. This includes coverage for eye exams, eyeglasses, and contact lenses. There is NO maximum with Manhattan Life vision coverage outside the policy’s yearly maximum. (compared to Aetna’s $200 maximum)*
Manhattan Life Hearing Coverage
Manhattan Life hearing coverage also comes with a $100 deductible but does not have a maximum outside the policy’s yearly maximum. Your benefits do not kick in until year two. In year two, you’ll have 70% coverage. By year three, you’ll have 80% coverage. *
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Medico DVH Plans
Medico offers two DVH plans, the basic and the DentalPlus.*
Medico Dental Coverage
Medico dental benefits on the basic plan also come with a $100 deductible with a $,1000 or $1,500 benefit. There’s no waiting period for bi-annual cleanings, semi-annual exams, x-rays, (with the exception of full mouth), or fillings and extractions. You’ll have 60% coverage on year one, 70% coverage on year two, and 80% coverage on year three.*
The basic plan also comes with a 12-month waiting period for major services with 60% coverage on year two. Coverage for major services includes root canals, periodontal surgery, bridges & crown, and full or partial dentures. *
The Medico DentalPlus plan comes with a 3-month waiting period but will cover 80% of preventative services after 3-months vs. 60% coverage with the basic plan.*
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After 3-months, you’ll have 80$ coverage on bi-annual cleanings, semi-annual exams, and one set of four images per year for x-rays. Once you’ve passed 6-months, you’ll have 80% coverage on fillings, diagnostic x-rays, nonsurgical extractions, and palliative care.*
After a 12-month waiting period, you’ll have 50% coverage on major services. This includes crowns, bridges, dentures, root canals, periodontal services, oral surgical extractions, and implants up to a $1,000-lifetime maximum.*
The plan also comes with a $100 deductible. However, the maximum benefit is $2,500 compared to the basic plan’s maximum benefit of $1,000 or $1,500. *
Medico Vision Coverage
Medico basic plan comes with 60% vision coverage on year one, 70% coverage on year two, and 80% coverage on year three with a $200 maximum for the first year. This includes coverage for eye exams, eyeglasses, and contact lenses. The Medico DentalPlus plan includes 50% coverage on vision benefits after a 12-month waiting period. *
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Medico Hearing Coverage
The Medico basic plan includes hearing coverage and comes with a $100 deductible but does not have a maximum outside the policies yearly maximum. Your benefits do not kick in until year two. In year two, you’ll have 70% coverage. By year three, you’ll have 80% coverage. The Medico DentalPlus plan includes 50% coverage on hearing benefits after a 12-month waiting period. It comes with a $500 maximum limit per year.*
Nat Gen DVH Plans
Nat Gen DVH plans come with three options so you can find the right plan for your healthcare needs. It will cover preventive, basic, and major from day one. The annual maximum & select benefits will increase in year two.*
Nat Gen Dental Coverage
The Nat Gen DVH PPO plan comes with three benefit levels for dental benefits. All three levels will pay for dental procedures including routine exams & cleanings. Major services are covered with the level 2 and level 3 plans with 25% coverage the first year and 50% coverage the second year.*
Dentures are covered on the level 2 & level 3 plan also with 25% coverage the first year and 50% coverage the second year. Implants are only covered on the level 3 plan with 25% coverage the first year and 50% coverage the second year.*
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Level 1 comes with an annual maximum of $750 the first year and $1,500 the second year. Level 2 comes with an annual maximum of $1,000 the first year and $2,000 the second year. Level 3 comes with an annual maximum of $1,500 the first year and $3,000 the second year. *
Nat Gen Vision Coverage
Nat Gen offers two plans for vision coverage, the L1 Plan and the L2 Plan. *
The L1 Plan has a $15 copay on annual exams, $130 maximum per 24-month period, $25 copay on lenses. The maximum benefit for progressive lenses is $55.*
The L2 Plan has a $10 copay on annual exams with a $200 maximum per 24-month period. It also comes with a $25 copay on lenses. The maximum benefit for progressive lenses is $135.*
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Nat Gen Hearing Coverage
Nat Gen hearing coverage will pay up to $125 on diagnostic services including hearing exams. It will also save you an average of 62% on hearing devices. Some additional perks include a year of free follow-up care, two years of free batteries, and a three-year warranty for loss, repairs, or damage to hearing devices. *
Did You Know:
- Sixty-two is the average age for mouth, throat, and tongue cancer.
- Tooth decay is the most common chronic disease in seniors.
- By 2050, cases of early age-related macular degeneration among people 50 years or older are expected to double, from 9.1 million to 17.8 million
- According to the National Institute on Aging, one in three people between the ages of 65 and 74 suffers from hearing loss.
- Dental checkups are important for oral cancer detection, gum disease detection, as well as plaque, tartar, and cavity maintenance. They also help keep any bad habits in check such as smoking.
- Only 63% of seniors over 65 years old receive bi-annual dental checkups.
FAQs
*How to Enroll in a DVH Plan to Supplement Your Original Medicare Benefits
The first step to enrolling in a DVH plan is to contact one of our agents. They can educate you on all the DVH plans available in your area. Once our agents understand your coverage goals & budget, they can enroll you as quickly as today with benefits starting tomorrow. Give us a call, or complete our online rate form to have an agent reach out to you today.

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Hi Jagger,
This is a very helpful website! Thank you for providing it.
My spouse has a dental (only) plan through AARP with Delta Dental. Most of the benefits sound very similar to the ones you list, but the monthly rate is $72 and it’s only dental. Should she switch to one of the ones listed here? Delta limits first year coverage to the basics, just like the ones above, but the basics are covered at 100% — cleanings, fillings, X-rays, and others. I’m not sure, but it seems to me that this 100% coverage makes it worth the extra $30-40 dollars per month. What’s your opinion?
It sounds like the upcoming Build Back Better Act will not include the DVH Medicare coverage that was talked about in the beginning. How do we get Congress to add it back? My wife needs three crowns desperately, having lost two of them and the third is broken. The DVH plans you discuss here all seem to cover at most 50% of crowns, and that’s not until the second year. That is still out of reach for us! How do we get complete dental coverage from day one like she used to have through my employer???
Hi Jen – thank you for your comment! We are glad you find our website so helpful. Unfortunately, it seems like only hearing benefits are on the table for Medicare expansion right now. The best course of action is to evaluate your spouse’s needs and compare D/V/H plans to her current standalone dental coverage. Then, she should choose the beste coverage based on health and budget needs.