Dental & Vision Plans

At Western Wind Insurance & Investments, we help you protect your full health — including your teeth, eyes, and ears.

Why Medicare Beneficiaries Need Dental, Vision, and Hearing Coverage

Original Medicare offers excellent hospital and medical coverage — but routine dental, vision, and hearing (DVH) care are not included.


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


  • Dental cleanings, exams, fillings, dentures

  • Vision exams, glasses, contact lenses

  • Hearing exams or hearing aids

Medicare Part A may cover dental work, but only when it’s linked to a covered inpatient procedure. Medicare Part B covers limited vision services related to medical conditions (e.g., cataract surgery), but not routine care.

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.
A woman 's hand is holding a pair of glasses.
A woman 's hand is holding a pair of glasses.

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 & Hearing  Frequently Asked Questions

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

    No, Original Medicare does not cover routine DVH care.

  • 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.