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How to quote dental and vision coverage for Medicare clients
By the QuoteDeck team · Updated · 2 min read
The short answer
Original Medicare does not cover most routine dental care or routine eye exams for glasses, so Medicare Supplement clients usually need a standalone dental and vision plan, and many Medicare Advantage clients need one when the plan’s built-in benefits are limited. Compare the annual maximum, waiting periods and network, and present the plan in the same package as the Medicare coverage.
What Medicare leaves out
Original Medicare does not cover most dental care, such as cleanings, fillings, extractions and dentures, and it does not cover routine eye exams for eyeglasses or contact lenses. Clients on Original Medicare with a Medicare Supplement plan have no routine dental or vision coverage unless they add it.
Many Medicare Advantage plans include some dental and vision benefits, but they vary widely. Check the plan’s annual dental limit and what it covers before deciding whether the client needs more.
What to compare between dental and vision plans
- Annual maximum: the most the plan pays in a year.
- Waiting periods for major services, such as crowns and dentures.
- Whether the client’s dentist and eye doctor are in network.
- Coverage levels for preventive, basic and major services.
- Vision allowance for frames and lenses.
Present it with the Medicare plan
Put dental and vision in the same package as the Medicare coverage so the client sees one monthly total. For a Medicare Supplement client, show Medigap plus Part D plus dental and vision. For a Medicare Advantage client, show the plan with and without added dental and vision.
QuoteDeck quotes dental and vision plans next to Medicare Advantage, Medigap and Part D, and builds them into packages with one monthly total in a single presentation link.
Frequently asked questions
Does Medicare cover dental and vision?
Original Medicare does not cover most routine dental care or routine eye exams for glasses. Many Medicare Advantage plans include some dental and vision benefits, which vary by plan.
Should Medicare Supplement clients buy a dental plan?
Usually, if they want routine dental coverage, since Original Medicare and Medigap do not cover it. Compare annual maximums, waiting periods and networks.
What should a quoting platform include for dental and vision?
Live dental and vision rates next to the client’s Medicare or health plan, plan details such as annual maximums and waiting periods, and a way to bundle them into one presentation with a single monthly total.
Sources
Checked on October 16, 2026. Rules change, so confirm with the source and your carriers.
This guide is general information for licensed insurance professionals, not legal or compliance advice. Follow CMS, state and carrier requirements that apply to you.
Quote dental and vision with every Medicare plan
Bundle dental, vision and Medicare coverage into one presentation with a single monthly total.