Dental, Vision & Hearing Coverage for Medicare Recipients.

Updated: June 2025

What Does Medicare Actually Cover?

What You’re Really Missing

Your Options to Fill the Gaps

  • 1

    Buy Standalone Insurance

  • 2

    Pay Cash (But Think Twice)

Does Medicare cover Dental, Vision & Hearing?

If you thought Medicare had you covered from head to toe, bad news: it skips teeth, eyes, and ears.

But the good news? You’ve got options. This guide breaks down what Medicare actually covers, what it doesn’t, and how to protect yourself from surprise bills with the right type of insurance.

What Medicare Actually Covers (and Doesn’t)

Dental:

Vision:

Hearing:

What You Might Pay Without Extra Coverage

3 Ways to Fill the Gaps

1. Standalone Insurance Plans

Coverage for

Top Pick in the South: Physicians Mutual

2. Discount Plans

3. Pay-as-you-go (Self-Pay)

Regional Cost Breakdown: AL, GA, MS & FL

State
Dental Cleaning
Eye Exam + Glasses
Hearing Aid (per ear)
Alabama
$120–$180
$250–$400
$3,000–4,500
Georgia
$130–$200
$280–$420
$3,000–5,000
Mississippi
$100–$160
$220–$370
$2,800–4,000
Florida
$140–$250
$300–$500
$3,500–5,500

Note: Urban centers = higher prices

Best Plans to Check Out in 2025

Carrier
Best For
Highlight Feature
Physicians Mutual
Full Dental Coverage
No deductibles or networks
Humana
Preventive Focused
Bundled vision/dental + low premiums
Aetna
Fast Activation
No waiting on basic care
Delta Dental
Provider Access
Large dentist network in Southeast

Tips Before You Enroll

Frequently Asked Questions: Medicare Dental, Vision, and Hearing Coverage

Does Medicare cover cleanings, fillings, crowns, or dentures?

Not really. Original Medicare isn’t built to handle everyday dental needs. While it might step in for serious medical situations—like dental work related to surgery—it doesn’t help with cleanings, cavities, root canals, or dentures. You’d have to pay for those out of pocket unless you have a supplemental plan. Here’s more info.

What vision care does Medicare cover?

If you’re dealing with glaucoma, cataracts, or macular degeneration, Medicare may help with certain procedures and testing. But when it comes to getting your eyes checked every year or picking out new glasses, you’re on your own. No coverage for routine eye exams or vision correction. See this ADA overview.

Are hearing aids or exams covered under Medicare?

In short: no. Medicare won’t help pay for hearing aids, fittings, or most hearing exams. The only time it gets involved is if your primary doctor orders a diagnostic test for something like balance or hearing loss. Otherwise, you’ll need additional coverage or expect to pay out of pocket.

What are my options if I want dental, vision, and hearing benefits?

You can buy a standalone plan or sign up for a Medicare Advantage plan that includes these extras. Physicians Mutual, for example, offers popular dental plans in the Southeast that don’t require a network and don’t come with deductibles. It’s worth comparing what’s available in your area.

How early should I sign up for Dental coverage?

Sooner is better. Most plans make you wait a few months before they’ll pay for big-ticket procedures like crowns or dentures. If you wait until you already need care, you’ll end up footing the bill.

Can low-income seniors get help?

Yes. If you qualify for Medicaid in addition to Medicare, you may be eligible for a Dual-Eligible Special Needs Plan (D-SNP). These plans often include coverage for dental, vision, and hearing, at little to no extra cost.

Does Medicare Part D help with any of this?

It might. Part D won’t cover cleanings or glasses, but it can cover medications your provider prescribes for dental or eye issues, like antibiotics before oral surgery or prescription eye drops.

What’s this new Medicare Dental, Vision, and Hearing Benefit Act I heard about?

That bill aims to expand Medicare to finally include coverage for these essential services. It hasn’t passed yet, but it’s a sign that policymakers are starting to listen to what seniors actually need.

Final Thoughts

Routine care for your teeth, eyes, and ears isn’t a luxury, it’s essential for healthy, independent aging. The right plan can protect your budget and help you catch problems early.

If you live in Alabama, Georgia, Mississippi, or Florida, options like Physicians Mutual make it easier than ever to stay covered.

Let’s personalize your Medicare protection. Get coverage that fits your lifestyle, not just a checklist.

Or call us at 334-489-3624 to speak with a local expert.

Routine care for your teeth, eyes, and ears isn’t a luxury, it’s essential for healthy, independent aging. The right plan can protect your budget and help you catch problems early.

Get started today. Compare local plans and protect your future self.

Dental, Vision & Hearing Coverage for Medicare Recipients