Dental & Vision Coverage

Whether you’re on Medicare or Covered California, routine dental and vision care often aren’t covered—or have limited benefits. Standalone dental and vision plans help you avoid costly out-of-pocket bills for essential care.

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Why Dental & Vision Coverage Matters

Maintaining good oral hygiene and vision health is essential for your overall well-being. Yet many health insurance plans provide little to no coverage for routine dental cleanings, vision exams, or eyeglasses.

Did you know?

• Only 12% of seniors over age 65 have dental insurance
• Regular dental care can prevent serious health issues like cardiovascular disease and pneumonia
• Vision problems often go undetected without regular eye exams

Without dental and vision coverage, you could face:

• $200-$500+ for routine dental cleanings and checkups
• $300-$1,000+ for eyeglasses or contact lenses
• $1,000-$3,000+ for dental procedures like fillings, crowns, or dentures

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Dental & Vision for Medicare Clients

Original Medicare doesn’t cover:

• Routine dental cleanings, exams, or X-rays
• Fillings, crowns, bridges, or dentures
• Routine vision exams or eyeglasses

Add dental and vision coverage to complete your Medicare Umbrella.

Many of our Medicare clients add standalone dental and vision plans to ensure comprehensive protection. These plans provide:

• Coverage for preventive care (cleanings, exams)
• Discounts on major dental work
• Coverage for eyeglasses and contact lenses
• Affordable monthly premiums (often $20-$60/month)

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Dental & Vision for Covered California Clients

Many ACA plans have limited dental and vision benefits:

• High deductibles before coverage kicks in
• Limited networks of providers
• Basic coverage only (no major work)

Standalone plans can provide better coverage at an affordable price.

If you have Covered California, adding a standalone dental and vision plan gives you:

• More comprehensive coverage
• Broader provider networks
• Better value for routine and major care

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What Dental Plans Cover

Example:

Preventive Care (typically 100% covered):

• Routine cleanings (2 per year)
• Exams and X-rays
• Fluoride treatments

Basic Procedures (typically 50-80% covered):

• Fillings
• Extractions
• Root canals

Major Procedures (typically 50% covered):

• Crowns
• Bridges
• Dentures

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What Vision Plans Cover

Routine Eye Care:

• Annual eye exams
• Prescription eyeglasses or contact lenses
• Discounts on LASIK surgery

Benefits:

• $100-$200 allowance for frames and lenses
• Discounts on additional pairs
• Coverage for contact lens fittings

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Get Your Dental & Vision Quotes

We help you compare plans from top-rated carriers and find coverage that fits your budget.

Manhattan Life Dental Select

• Choose dental only; add vision and hearing as riders
• No waiting periods
• Select up to $5000 yearly maximum

Manhattan Life Dental Vision & Hearing 

• Dental Vision & Hearing plan in one
• Waiting period for Major
• Select up to $5000 yearly maximum
• Best value starting Year 3

Questions about dental or vision coverage?

Call us at (951)404-0642 or schedule a free consultation.

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