Medicare Add-On Coverage Options
Original Medicare does not cover everything. Many beneficiaries choose to add extra coverage for services like dental, vision, hearing, or additional benefits that help reduce out-of-pocket costs. These add-ons may be included in certain Medicare Advantage plans or purchased separately, depending on your needs and location.
Common Add-On Benefits
Dental Coverage
Helps cover routine cleanings, X-rays, fillings, extractions, and sometimes major procedures. Coverage varies widely by plan.
Vision Coverage
May include eye exams, glasses, frames, contacts, and allowances for eyewear upgrades.
Hearing Coverage
Often covers hearing exams, fittings, and allowances toward hearing aids.
Over-the-Counter (OTC) Benefits
Certain Medicare Advantage plans offer a monthly or quarterly allowance for OTC medications and supplies.
Fitness & Wellness Programs
Programs like SilverSneakers, gym access, or online fitness classes may be included in some plans.
Transportation Benefits
Some plans provide rides to medical appointments, pharmacies, or hospitals.
Methods to Obtain
Extra Benefits:
Medicare Advantage (Part C) Plans
Most add-on benefits are included within Medicare Advantage plans. Availability depends on the insurer, county, and specific plan.
Stand-Alone Dental, Vision, and Hearing Policies
For people on Original Medicare or Medigap, separate DVH plans can be purchased from private insurance companies.
Wellness & OTC Programs
Some insurers offer optional add-on benefit packages for an extra monthly premium.
Original Medicare Typically Does Not Cover:
- Routine dental
- Routine vision
- Routine hearing
- Glasses or contacts
- Hearing aids
- Long-term care
- Most OTC items
- Fitness memberships
- Non-emergency transportation
This is why add-on coverage can play an important role in managing healthcare costs.
Considerations before choosing Add-ONS
Things to Think About:
Monthly premium vs. value of extra benefits
Whether your preferred doctors or providers are in-network
Coverage limits or maximums
Annual benefit allowances
Whether you need stand-alone coverage or a Medicare Advantage plan that includes these benefits
How true life advantage can help
Because plans vary by county and insurance company, it’s important to understand which additional benefits are available where you live.
Our licensed advisors can explain your options and help you compare plans that include the add-on coverage you’re looking for.
TruLife Advantage is not connected with or endorsed by the U.S. government or the federal Medicare program.
We may not offer every plan available in your area. For a full list of options, visit Medicare.gov or call 1-800-MEDICARE.