Dental, Vision and Hearing Insurance

Medicare does not cover routine dental, vision, or hearing expenses — leaving millions of Americans responsible for 100% of those costs out of pocket. The ManhattanLife Dental, Vision and Hearing Select plan is a straightforward, guaranteed-issue solution that fills those gaps for individuals and families of all ages — starting immediately with no health questions and no waiting period for dental care.

Why Dental, Vision and Hearing Coverage Matters

Most Americans understand the importance of medical insurance — but dental, vision, and hearing costs are often left completely unprotected. The financial impact of a single dental procedure, a pair of prescription glasses, or hearing aids can be significant, and the costs come at the worst possible times.

Consider the numbers: a single crown can cost $1,000 to $1,500 without coverage. A pair of hearing aids averages $3,000 to $7,000. An annual eye exam plus glasses or contacts can run $300 to $600. Without insurance, these are fully out-of-pocket expenses that many families in the Rio Grande Valley simply absorb — or avoid until the problem becomes urgent and more expensive.

Basic Medicare — Parts A and B — does not cover routine dental exams, cleanings, fillings, eyeglasses, contact lenses, or hearing aids. Even many Medicare Advantage plans have limited dental and vision benefits with annual caps that do not go far. A standalone Dental, Vision and Hearing plan provides dedicated coverage specifically for these gaps.

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Four Coverage Options — You Choose What You Need

One of the most useful features of this plan is flexibility. You are not forced into a bundle that includes benefits you do not need. Choose the combination that fits your situation:

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Dental Coverage — What the Plan Covers

The dental benefit is the foundation of the plan. It is organized into four service categories — each with its own coverage percentage and timing:

Service Type	What Is Covered	In-Network	Out-of-Network
Preventive Services Day 1	Dental exams (2/yr), cleanings (2/yr), X-rays, fluoride (under 16)	100% of contracted rate	80% of UCR
Basic Services	Fillings, oral evaluations, periapical X-rays, basic oral surgery, extractions, periodontal services	65% year 1 → 80% thereafter	65% UCR year 1 → 80% thereafter
Major Services	Crowns, inlays, onlays, root canals, major oral surgery, implants, dentures, bridges	20% year 1 → 50% thereafter	20% UCR year 1 → 50% thereafter
Orthodontia	Teeth straightening for all ages — $1,500 lifetime maximum	Available year 2+, 50%	Not covered

Your Dentist — In-Network or Out-of-Network

You are not restricted to a specific dentist. You can visit any licensed dentist of your choice — in-network or out-of-network. However, choosing a dentist in the Careington Maximum Care PPO Dental Network (100,000+ dentists nationwide) gives you access to negotiated discounted rates, which helps your annual benefit maximum go further. To find a Careington network dentist near you, visit manhattanlife.solutionssimplified.com.

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Vision Coverage (Optional Add-On Rider)

The Vision Rider adds eye care coverage to your base dental plan. Here is what it covers:

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Hearing Coverage (Optional Add-On Rider)

The Hearing Rider adds hearing care coverage to your plan. There is a 12-month waiting period for hearing benefits — so the earlier you enroll, the sooner your hearing coverage activates.

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Choose Your Annual Benefit Maximum

One of the most important decisions when enrolling is your policy year maximum — the most the plan will pay for covered dental services in a 12-month period. Four options are available:

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Sample Monthly Rates

Premiums are based on the age of the oldest applicant and the maximum benefit selected. Below are sample monthly rates for the $1,000 maximum dental-only plan with $0 deductible — one of the most affordable starting points:

Age	Individual	Individual + Spouse	Individual + Children	Family
18 – 39	$34.30	$68.59	$82.02	$124.28
40 – 54	$43.74	$87.47	$120.56	$147.93
55 – 64	$46.61	$93.21	$111.90	$136.17
65 – 74	$49.15	$98.29	$96.93	$114.21
75 – 99	$52.40	$104.82	$99.65	$112.77

*Sample rates shown are for the $1,000 policy year maximum with $0 deductible, dental only. Vision and hearing riders are additional. Rates are subject to change. Family rates include up to three children. Additional children are billed at the child rate per person. Premiums are based on the age of the oldest applicant.

To see exact rates for your age, coverage combination, and maximum benefit — click Apply Now below and get your personalized quote in seconds.

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How the Plan Works — A Real Example

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Who Can Qualify for This Plan?

This is one of the most accessible dental, vision, and hearing plans available — because qualification is based on age, not health history.

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Plan Highlights at a Glance

Feature	Details
Underwriter	ManhattanLife Insurance and Annuity Company — in business since 1850
Eligibility	Ages 3 to 99 — individuals and families
Guaranteed Issue	Yes — no health questions or medical exam required
Dental Waiting Period	None for preventive and basic services. Major services ramp up over the first two years.
Hearing Waiting Period	12 months for hearing benefits
Deductible Options	$0 or $100 per person — does not apply to preventive services
Annual Maximum Options	$1,000 / $1,500 / $3,000 / $5,000 per policy year
Provider Choice	Any licensed dentist — in-network or out-of-network. Careington PPO Network available for greater savings.
Orthodontia	Covered starting year 2 — $1,500 lifetime maximum for all ages
Renewable	Guaranteed renewable for life — cannot be cancelled due to health or age

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