Dental & Vision Insurance
Original Medicare doesn't cover routine dental or vision care — cleanings, exams, and glasses generally aren't included. Standalone dental and vision policies fill that specific gap for people on Original Medicare, Medigap, or any plan that doesn't already bundle this coverage.
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Enter your ZIP code and how many people need coverage, compare dental and vision plans, and enroll online. Plans by Ameritas, for Iowa, Nebraska, and Arkansas residents.
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How dental and vision coverage works
Most dental and vision plans cover preventive care (cleanings and eye exams) close to 100% from day one, then phase in coverage for more significant services like crowns, fillings, or glasses — often with waiting periods and annual maximum benefit amounts.
Because Medicare Advantage plans sometimes bundle dental and vision benefits already, it's worth checking your existing coverage first. If you're on Original Medicare and Medigap, or your Medicare Advantage plan's dental and vision allowance is thin, a standalone policy can round out the coverage.
Who this is for
- People on Original Medicare and Medigap who have no built-in dental or vision coverage
- People whose Medicare Advantage plan's dental or vision allowance doesn't cover what they actually need
- Anyone who wants predictable coverage for routine cleanings and eye exams
- People planning for a known upcoming need, like dentures or glasses
Key facts
- Preventive care (cleanings and eye exams) is typically covered close to 100% from day one
- Major services (crowns, dentures) often have waiting periods before full coverage applies
- Plans carry annual maximum benefit amounts, so it pays to compare those alongside the premium
- Some Medicare Advantage plans already include a dental and vision allowance — worth checking before buying a standalone policy