IMG / additional-dental
Dental coverage
Cleanings, fillings, crowns, dentures. Some plans cover implants. Often $25–50/month for meaningful coverage. Pays for itself the first time you need a crown.
Vol. 8 — Service / Additional Coverage
The pieces Medicare doesn't cover.
Standalone dental, vision, hearing, hospital indemnity, and cancer plans — for the gaps that even a great Medicare plan leaves open.
IMG / additional-hero
Plans we represent
Carrier One
Carrier Two
Carrier Three
Carrier Four
Carrier Five
Carrier Six
Carrier Seven
Carrier Eight
What is it
A complete coverage picture, not just Medicare.
Original Medicare doesn't cover routine dental, vision, or hearing. Many Advantage plans include limited versions of these benefits, but the dental allowances are often modest and the vision/hearing allowances often won't fully fund a major need like dentures or hearing aids.
Standalone dental, vision, and hearing plans fill the gap. They're cheap to add, easy to use, and most don't require a network. For folks who need real coverage in these areas, a standalone plan often pays for itself in one year.
Beyond the basics, hospital indemnity and cancer plans pay you a lump sum or per-day benefit if you have a covered event. Not for everyone — but for folks worried about a worst-case scenario, the peace of mind is real.
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What you can add
Five common gap-fillers.
We'll only suggest these if they actually fit your situation. Many of our clients don't add any of these — and that's fine. The point is knowing what's available.
IMG / benefit-2
Vision coverage
Annual exams, frames, lenses, contacts. Some plans cover LASIK. If you wear glasses or contacts, the math is usually in your favor.
IMG / benefit-3
Hearing coverage
Routine hearing exams plus hearing aid allowances. Hearing aids are expensive — $1,500–$4,000 per ear. A plan with a meaningful allowance saves real money.
IMG / benefit-4
Hospital indemnity
Pays you a daily benefit when you're admitted to the hospital, on top of whatever your Medicare plan pays. Useful for folks with high deductibles or significant copay exposure.
IMG / benefit-5
Cancer / critical illness plans
Pays a lump-sum benefit on cancer diagnosis or other covered critical illnesses. Treatment costs add up fast even with good Medicare coverage. Some folks find this peace of mind worth the premium.
One more thing
“Most of our clients add one or two of these — usually dental and vision. Some add nothing. We'll never push a plan you don't need.”
Ready to talk additional coverage?
Let's start with your zip code.
A 15-minute call is usually all it takes to figure out which direction makes sense for you. No pressure, no cost, no obligation.