Texas seniors with Medicare coverage will still pay out of pocket for certain expenses, like hearing aids, dentures, and eye exams. Medicare Parts A and B exclude dental, vision, and hearing benefits. However, there are ancillary products available to all Medicare recipients in The Lone Star State. And they combine all multiple benefits into one plan — at an affordable price. Keep reading as Oak Haven Insurance answers common questions about DVH plans.
Is a Stand-Alone DVH Plan Expensive?
The cost (premiums) of individual plans will vary, but on average, you can expect to pay between $30 and $70 per month.
What Benefits Are Included?
The benefits of DVH plans for seniors may vary depending on the insurance carrier you choose, as well as your location and choice of benefit level.
Is There Medical Underwriting?
Most stand-alone DVH plans have no waiting periods for basic or preventative dental services. They don’t require medical underwriting.
What Medicare Carriers Offer DVH Plans?
To your benefit, many reputable, trusted Medicare providers offer dental, vision, and hearing plans. This includes:
- Humana
- Aetna
- Medico
- Manhattan Life
- Nat Gen
Most carriers have NO waiting period for preventive care. Most plans have a 12-month waiting period on major services.
Do Medicare Supplements Cover Dental, Vision, and Hearing?
Medicare Supplement plans will cover the same benefits that Parts A and B do. So, since Original Medicare doesn’t pay for dental, vision, or hearing care, your Medigap policy won’t either.
Do Medicare Advantage Plans Offer These Benefits?
Yes, some Medicare Advantage plans include dental, vision, and hearing coverage. The benefits are typically limited though, so you’d want to check with your carrier to find out which ancillary benefits you have.
What Is the Best DVH Insurance for Seniors?
Like Medicare plans, there’s no one-size-fits-all approach when it comes to other insurance. The best plan for you depends on your individual health needs. For example, what specific procedures do you need? Some may need a dental and vision plan while others will look to add hearing coverage. Your choice also depends on your budget and location.
How to Enroll in a DVH Plan
The first step to enrolling in a plan is to contact an insurance broker who has experience with ancillary products. They can tell you about all the DVH plans that are available in your area. Then, when the broker understands your goals and budget, they can enroll you right away so you can get benefits as soon as possible. Contact Oak Haven Insurance Agency to learn more about dental, vision, and hearing insurance plans in Texas.
