Many people are surprised by what Medicare doesn’t cover. Discover how Flexible Choice DVH Plus helps you close that gap, and grow your business.
Original Medicare and many traditional medical plans typically do not cover routine dental, vision, or hearing care. That creates a meaningful coverage gap for many who still need regular exams, glasses, dental procedures, or hearing aids. These services can quickly become expensive when paid out of pocket, and they are also important for preventive care that can help identify broader health issues early. Flexible Choice Dental, Vision & Hearing Plus (DVH Plus) gives brokers a practical solution to help clientele address these common gaps in Original Medicare coverage and major medical insurance.
DVH Plus allows brokers to tailor coverage to fit a client’s needs and budget. The policy offers eight maximum benefit options ranging from $1,000 to $5,000 per policy year per person, along with flexible deductible choices of $0, $50, $100, or an optional disappearing deductible.* The plan also includes no waiting period for dental benefits, allowing coverage to begin right away for many services. These options make it easier for brokers to position the product with different types of clientele who may be looking for varying levels of protection.
With the dental coverage, your clientele will have access to more than 85,000 in-network dentists, providing a broad range of provider options when seeking care. Coverage increases over time as well, with benefits rising to 90% in year four for many services,** helping support ongoing preventive and routine care. In addition, the policy is guaranteed issue with no health questions, includes immediate notification of eligibility, and is guaranteed renewable for life*, providing dependable coverage regardless of changes in age, health, or claim history.
Helping to address dental, vision, and hearing needs is an important part of supporting their overall health and financial well-being. By introducing DVH Plus during conversations, especially when discussing gaps in Original Medicare coverage, brokers can offer a solution that helps manage out-of-pocket costs while encouraging preventive care. Click here to learn more about DVH Plus and access materials to support your sales conversations.
* Deductible must be met before benefits are paid for any dental, vision, or hearing treatment. The optional disappearing deductible feature is available only on a $100 deductible.
** Excludes major dental benefits, which increase to and remain at 60% beginning in years 2+.