Dental & Vision Plans

Here at Pilichowski Insurance, we prioritize finding you the best ancillary coverage.

Understanding Dental & Vision Plans for Medicare Beneficiaries


Medicare plans provide extensive coverage for many health-related needs. However, dental and vision coverage can be more limited. For example, Original Medicare does not offer routine dental coverage. This gap means that services such as routine cleanings, exams, x-rays, fillings, extractions, and dentures are not covered. Medicare Part A (hospital) may cover specific dental services if they are required for a covered procedure.


Similarly, routine vision care, including eye exams and the cost of glasses or contact lenses, is not covered under Original Medicare. Medicare Part B (medical) does cover certain vision services related to specific medical conditions, like:

  • Eye exams for diabetic retinopathy
  • Eye exams for glaucoma
  • Cataract surgery
A man wearing glasses and a turtleneck is walking down the street.

Options for Additional Dental & Vision Coverage


Dental and vision coverage is essential for seniors. There are generally three options for Medicare beneficiaries who want ancillary coverage:


  • Medicare Part C (Medicare Advantage): Many Medicare Advantage plans include dental and vision benefits. These plans can include coverage for routine dental care (i.e., cleanings and exams) and vision care (i.e., eye exams, glasses, and contact lenses).
  • Standalone Dental & Vision Plans: Standalone plans can be purchased separately from other Medicare coverage and include a wide range of coverage options. 
  • Dental & Vision Discount Plans: These are not insurance plans, but they can offer reduced rates on dental and vision services through a network of participating providers. Discount plans can provide savings on routine care and treatments, although they do not offer insurance coverage or financial protection.



What to Consider When Choosing a Dental & Vision Plan


Similar to other coverage, weighing your options and comparing plans to find your best fit is crucial. Here are some things to consider:


  • Evaluate Your Needs: Assess your dental and vision care needs based on your current health conditions, existing dental and vision problems, and future care requirements. 
  • Review Benefits: Whether you’re considering a Medicare Advantage plan with dental and vision benefits or standalone insurance plans, compare them thoroughly. Ensure that the plan you choose includes the services you need and that you have access to your preferred providers.
  • Review Costs: Understand the costs associated with each option, including premiums, copayments, and out-of-pocket expenses. Consider how these costs fit into your overall healthcare budget.



When to Enroll in Dental & Vision Plans


You can enroll in dental and vision plans at any time through the year.

This is a solicitation for insurance. Submitting information or calling numbers listed on this website will direct you to a licensed Agent/Broker.

Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.