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for health and life Insurance!
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877-734-3884 (TTY: 711)

Dental and Vision Insurance for Medicare Beneficiaries

Approximately 10,000 individuals in the U.S. turn age 65 daily, and 71% are looking for dental and vision coverage.

Medicare beneficiaries can buy any of the dental, vision, or hearing plans mentioned in the DENTAL/VISION/HEARING PLANS pages of the HEALTH AND DENTAL section of this website. The following sections of this page outline some dental and vision plans that are very attractively priced for Medicare beneficiaries and utilize networks that contain a large number of providers who service the Medicare beneficiary community.


This plan is offered through Nationwide Insurance (A+ rated) but cannot be bought directly from the carrier. This plan is very competitively priced [particularly the plan that offers a $5,000 coverage maximum (this is the most popular offering)], and:

  • Provides three different choices of coverage maximums ($1,500, $3,000, and $5,000). We’ve never before seen an individual insured dental plan offering coverage limits above $2,500 (an individual buying a $1,500 program can increase the maximum to $3,000 for only an additional $10 per month; and a person buying a $3,000 maximum plan can increase the maximum to $5,000 for only an additional $10 premium, as well);
  • Offers 100% coverage for preventive care with no deductible and 80% coverage for basic care; 50% coverage for major care with a $50 per person deductible;
  • Is fully insured and offers first of the following month enrollment;
  • Has no maximum age restriction (premiums are not age-based, so the plan pricing is particularly attractive to Medicare beneficiaries);
  • Has no waiting period for preventive and basic care;
  • Waives the major care waiting period for those with creditable drug coverage [i.e. those with present or recent (within the last 30 days) PPO or indemnity dental coverage with at least a $1,000 coverage limit (see FAQ’s 7 and 8 of the Dental plan FAQ’s)];
  • Includes coverage for implants and dentures in accordance with the missing tooth provision;
  • Has an extensive provider network (comprised of three different national networks--Careington, DenteMax, and Connection Dental--combined into one very large network); and
  • Offers out-of-network coverage as well.

Please see copies of the $1,500 deductible plan, $3,000 deductible plan, and $5,000 deductible plan here.

THE NCD plan is available in all states except Arkansas, Hawaii, Maine, Montana, New Hampshire, South Dakota, Vermont, and Washington. NCD coverage does not include orthodontia.

Members must join the National Small Business Association (NSBA) for an additional $3 per month. NSBA offers discounts as outlined in the brochure.



This plan is offered through VSP, which is the nation’s largest provider of vision plans. This is an attractively priced vision plan that also offers up to 60% discounts on hearing aids through TruHearing as well as other discounts through the Healthy Vision Association. Please see this brochure for details of the plan for Florida, Oregon, and New York. See this brochure for details of the plan for the other states in which it is offered.

The plan is not offered in Hawaii, South Dakota, or Washington.



Ameritas provides dental plans in all 50 states and specializes in the Medicare beneficiary market. Ameritas dental and vision insurance plans offer individuals a distinctive portfolio of flexible benefit designs with affordability to meet many needs.

Dental plans include orthodontia coverage through age 18 as well as implant coverage, and coverage maximums can be up to $2,000, There are no waiting periods for coverage, and coverage can be effective as soon as the day after making application. There are no application fees.

Benefits for basic and major services are provided on a graded basis. With a graded benefit, benefits are provided immediately: coverage amounts increase after one year of coverage and with some plans again after 2 years of coverage. Ameritas providers have lower fees than out-of- network providers, so policyholders using Ameritas providers can still obtain significant savings even if they obtain basic and/or major services in their first year of coverage.

Ameritas plans are available in all states. Most states offer “Protect” dental plans, but six states—MD, MO, NH, NY, PA, and WA—offer “Advantage Plus” dental plans. The plans use the same network, but the Protect plans offer coverage on a benefit year basis (i.e. the one- year period starting with the effective date of coverage), whereas the Advantage Plus plans work on a calendar year basis.

Lower premium plans are designed for those who utilize only Ameritas Dental Network providers, whereas plans with higher premiums provide freedom to use any dentist with the opportunity to visit an Ameritas Dental Network provider for additional savings.

Vision plans that use either the VSP or the Eye Med vision networks are offered. VSP plans provide the opportunity to obtain lenses and frames every 12 months (up to a stated maximum), whereas EyeMed plans provide the opportunity to obtain lenses and frames on a 24-month basis (up to a stated maximum).

Click here to find plans available in your area and to enroll on-line.


2023 Schedule
Affordable Care Act Open Enrollment

Affordable Care Act open enrollment began November 1, 2022 and ends January 15, 2023 on the Federal Facilitated Marketplace (
You do NOT need a Qualifying Life Event if you buy a 2023 plan during Open Enrollment.

Call us at 561-734-3884 or 877-734-3884 to determine
what kind of plan you may be eligible for.

2023 Schedule
Medicare Annual Enrollment Period

The Medicare Annual Enrollment Period runs from October 15 through December 7, 2022 for a January 1, 2023 effective date.

Otherwise, you’re eligible to enroll if you’re first becoming eligible for Medicare or are eligible for another type of enrollment period. Enrollment rules differ between Medicare Supplement plans and Medicare Advantage, Medicare Advantage Prescription Drug, and stand-alone Prescription Drug Plans.

Call us at 561-734-3884 (TTY: 711) or 877-734-3884 (TTY: 711) for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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