Complete coverage
Dental & Vision Insurance
Medicare doesn’t cover routine dental or vision care. Individual dental and vision plans fill that gap — keeping your smile and your sight protected without breaking your budget.
The Coverage Medicare Leaves Out
Original Medicare and most Medicare Advantage plans offer little to no coverage for routine dental cleanings, fillings, dentures, eye exams, or prescription eyewear. For many retirees, these are among the most frequent and costly healthcare expenses they face.
As an independent broker, we compare individual dental and vision plans from the carriers we’re appointed with to find options that match your needs and your budget — at no cost to you.
$1,000+
Typical cost of a single dental crown without insurance
2×/year
Recommended dental cleanings — often fully covered by insurance
$300–$700
Typical out-of-pocket cost for prescription eyewear without coverage
$0
Original Medicare coverage for routine dental and vision care
Cost figures above are general national estimates and vary widely by region, provider and procedure. [Add a source citation or remove these figures before publishing.]
Coverage Options
Individual Dental Plans
Coverage for cleanings and exams, fillings, extractions, crowns, root canals, and dentures, structured around an annual maximum. Preventive care is usually covered immediately; major work typically carries a waiting period, which is the main reason to enroll before you need it rather than after.
Individual Vision Plans
Annual eye exams plus allowances toward frames, lenses, or contacts. Modest premiums, and easy to evaluate — if you buy glasses every year or two, the arithmetic is usually straightforward.
Standalone or On Top of an Advantage Plan
If your Advantage plan includes a dental allowance and you need a crown, you may find that allowance is gone in one visit. A standalone plan can sit on top of it. We’ll check what your current plan actually pays before recommending you add anything.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1‑800‑MEDICARE, 24 hours a day / 7 days a week, to get information on all of your options.
GK Financial Services is an independent insurance brokerage. We are not affiliated with or endorsed by Medicare or any government agency.
Plan availability, benefits, premiums, provider networks and drug formularies vary by county and may change each year. Enrollment in a plan depends on contract renewal. Insurance products are subject to plan availability and eligibility requirements. Licensed in AL, CT, FL, GA, IL, IN, KY, LA, MA, MD, MI, MS, NC, NJ, NM, OH, OK, SC, TN, TX, VA, WA, WI, WV. National Producer Number 17601359.