Speak with a licensed insurance agent · TTY 711 Mon–Fri 10:00 AM – 5:00 PM
Original Medicare does not cover routine dental, routine vision or hearing aids. For most people on a Medigap plan, that gap is real money, and a standalone plan is a separate policy built to fill it.
This is one of the most common surprises in Medicare. People assume a cleaning, a pair of glasses or a hearing aid is covered somewhere in Part A or Part B, and it generally is not. Medicare covers dental only in narrow circumstances tied to another covered procedure, and it does not cover routine eye exams for glasses or hearing aids at all.
A standalone dental, vision and hearing plan sits alongside whatever medical coverage you have. That keeps the two decisions separate: pick the medical coverage that fits your doctors and prescriptions, then pick the ancillary coverage that fits your dentist and your budget. If you are on a Medicare Advantage plan, what that plan covers is set out in its Evidence of Coverage, and Sarah reads it with you first.
Standalone plans have their own details worth reading: annual maximums, waiting periods before major work is covered, whether the plan uses a network or reimburses any provider, and how implants, dentures and crowns are treated. A plan with a low premium and a twelve-month wait on major services may not help with the crown you already know you need.
Important: CUPS Insurance is not affiliated with, endorsed by, or operating on behalf of HealthCare.gov, the Health Insurance Marketplace, or any federal or state government agency. Plan availability, premiums and advance premium tax credits are set by the carriers and the Marketplace.
Generally no. Original Medicare does not cover routine dental care, routine eye exams for glasses, or hearing aids. Standalone dental, vision and hearing plans cover them directly. Which plan fits depends on how much work you expect and whether you want to keep your current dentist.
Almost never. Original Medicare does not cover routine dental care, routine eye exams for glasses, or hearing aids. It covers a narrow set of medically necessary exceptions, such as an eye exam tied to a specific disease.
That gap is why standalone dental, vision and hearing coverage exists, and why the three are usually sold together.
Yes. A standalone dental, vision and hearing policy is separate from your Medicare coverage, so it can be bought whichever way you get Medicare. If you are on a Medicare Advantage plan, what that plan covers is set out in its Evidence of Coverage, and Sarah can read it with you before you decide whether a separate policy makes sense.
The way to decide is to price the specific work you expect — a cleaning schedule is a very different calculation from an implant.
Often yes. Preventive care is commonly available immediately, while basic and major services can carry waiting periods measured in months. Terms differ by plan.
If you already know a procedure is coming, that timing is the first thing to check — it frequently matters more than the monthly premium.
Nothing. Carriers pay a commission when a plan is issued, and that commission is already built into the plan price whether you use an agent or not.
Buying the same plan on your own does not make it cheaper — it just means nobody checked your doctors and prescriptions first, and nobody picks up the phone in March when something goes wrong.
No, and no agency does. We are independent, which means we compare across the carriers listed on this site rather than representing a single one — but that is not the same as offering every plan on the market.
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.
Sarah Wood Rodriquez, licensed since 2009 — over 17 years — and licensed in Utah, Arizona, Idaho. NPN 14943086.
The person who answers the phone is the person who reviews your plan. There is no call center and no handing you between departments.
Call Sarah, a licensed insurance agent, at 435-292-8777 (TTY 711) or book a call. The first conversation usually runs twenty to thirty minutes and there is nothing to sign.
Bring your prescription list and your doctors’ names — with those, the comparison can be a real one rather than a generic one.
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Two completely different ways to cover the gaps in Medicare. One works through a network with copays as you go; the other trades a monthly premium for predictability and freedom. Here is how to work out which one fits you.
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What to do and when, from six months before your birthday through your first year on Medicare — including the two decisions that are much harder to reverse later.
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The single most useful hour you can spend before choosing any health or Medicare plan — and the specific mistakes that make people think they checked when they did not.
A real conversation with a licensed agent who will check your doctors and prescriptions before you decide — and answer the phone all year after that.
Office hours: 10:00 AM – 5:00 PM · Ogden, Utah · NPN 14943086
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