Dental, Vision & Hearing Insurance

These plans usually include preventive dental care (cleanings, exams), vision exams , prescription eyewear , hearing exams , and often hearing aids or credits toward them. Detailed benefits vary by carrier and plan level.

Yes. Plans may impose waiting periods before covering basic, major dental work, or hearing devices—though preventive care (like exams and cleanings) often starts immediately.

Absolutely—many insurers offer bundle options that combine all three coverages under one plan and single monthly payment.

No. Original Medicare (Parts A and B) excludes most dental, vision, and hearing care. However, many Medicare Advantage plans include these benefits, and standalone DVH policies can fill remaining gaps.

Premiums typically range from $25 to $150/month , depending on coverage levels, plan type, and provider. Aflac’s tiered DVH plans can increase in benefits as you stay enrolled longer. Premiums vary by age, health, coverage amount, and carrier — figures shown are illustrative. Contact us for a personalized quote.

Yes. Depending on the plan, you may access both in-network and out-of-network providers , though using in-network professionals is often more cost-effective.

Yes. Dental, vision, and hearing expenses—like exams, glasses, contact lenses, and hearing aids—are generally eligible for reimbursement from Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs).

Most DVH policies are guaranteed renewable , meaning your coverage continues as long as premiums are paid—without worrying about your health status or age.

Bundled plans include all three coverages at once, often with one deductible and premium structure. Standalone plans let you pick only the types you need—for example, dental only or vision only—offering more customization.

Dental coverage is included in some Marketplace health plans (especially for children). For adults, it’s often available as a standalone plan . Vision coverage for adults is not required but may be included or available separately.