Vision & Dental — Cover What Medicare Doesn’t

Why Vision and Dental Matter in Retirement

Original Medicare does not cover routine dental care, eye exams, glasses, or hearing aids. That leaves most retirees paying out-of-pocket for services they use every year. A stand-alone vision and dental plan — or a Medicare Advantage plan with built-in benefits — can cap that exposure for a predictable monthly premium.

What a Good Dental Plan Covers

• Preventive: cleanings, exams, and X-rays — typically covered at 100% with no waiting period.
• Basic: fillings, extractions, and periodontal care — usually 50–80% after a short wait.
• Major: crowns, bridges, dentures, and implants — covered at 50% in most plans, subject to an annual maximum.

Annual maximums typically run $1,000–$2,500. If you’re planning a large procedure, match the plan’s maximum to your expected cost.

Vision Benefits to Look For

• Annual eye exam with a $0–$10 copay
• Allowance for frames and lenses (or contact lenses) every 12–24 months
• Discounts on progressive lenses, anti-glare coatings, and upgraded materials
• Access to a national network (VSP, EyeMed, or similar) so your current eye doctor is likely in-network

Stand-Alone vs. Bundled with Medicare Advantage

Many Medicare Advantage plans include vision, dental, and hearing as extras — sometimes at $0 additional premium. The tradeoff is network restrictions and lower annual maximums than stand-alone plans. Dave reviews both paths and recommends what fits your providers and your expected usage.

What You’ll Pay

Stand-alone dental+vision plans in the Dayton area typically run $25–$60 per month. There’s no cost to have Dave review options — the premium is the same whether you buy direct or through an independent agent.