Ancillary Insurance With Dental and Vision for Complete Coverage
Close the Gaps Medicare and Health Plans Leave
Ancillary insurance with dental and vision helps cover needs that Original Medicare and many medical plans do not pay in full. Benevolent Insurance Group Services builds add-on coverage for cleanings, crowns, eyeglasses, hearing aids, and even hospital cash benefits so your out-of-pocket costs stay predictable. From Baltimore and Silver Spring to the Bronx and Yonkers, our team pairs plans with your current medical coverage, whether you are on
Medicare Advantage plans or
Under-65 health insurance through the marketplace.
Dental Insurance Options for Everyday Care
Preventive visits are usually covered at 100 percent, while fillings, root canals, and crowns follow tiered cost sharing. Most standalone dental plans include an annual maximum benefit and may have short waiting periods for major services. BIGS reviews dentists near Towson, Columbia, Queens, and Westchester to confirm networks and expected costs before you enroll.
Vision Plans That Fit Your Routine
Vision coverage typically includes an annual eye exam and an allowance for frames or contact lenses. Plans often use networks like VSP or EyeMed. We locate options your eye doctor accepts near the Grand Concourse, Washington Heights, and Montgomery County so updating prescriptions and lenses stays affordable.
Hearing Benefits and Hearing Aid Help
Standalone hearing coverage or bundled DVH plans can offset the price of exams and devices. Some plans offer a fixed allowance per ear every few years or negotiated discounts through partner programs. BIGS checks pricing at local providers and ensures benefits line up with the technology your audiologist recommends.
DVH Bundles for Simple, One-Card Coverage
Many insurers offer combined Dental, Vision, Hearing plans with a shared annual max or separate limits. These DVH plans streamline billing and can reduce total premium compared with buying three separate policies. We will compare DVH against standalone options so you can choose the structure that fits how you actually use care.
Add Hospital Cash Benefits for Big Medical Bills
A hospital indemnity plan pays you a set cash amount for inpatient stays, ambulance trips, or outpatient surgery based on the benefits you select. Pairing hospital cash with Medicare Advantage plans can reduce or offset daily inpatient copays in counties across Maryland and New York. If you want details on riders and pricing, visit our full page on hospital cash benefits.
How BIGS Helps You Choose the Right Mix
Our licensed agents map your current medical plan, doctors, and expected services, then compare premiums, waiting periods, and annual maximums across carriers. We check dentists and eye doctors by name, verify hearing aid allowances, and confirm pharmacy or provider locations from Baltimore County to the Bronx. For a side-by-side of medical choices before you add ancillaries, review Medicare plan options and we will align DVH and hospital cash to match.
Ancillary Coverage Questions Answered
Can I buy dental or vision any time of year
Yes. These plans are not tied to Medicare or marketplace enrollment windows, so you can add coverage year-round.
Do these plans have waiting periods
Often yes for major dental work. Preventive services usually start right away. We explain any waiting rules before you sign.
Will my doctors and dentists be in network
We verify networks and provide alternatives if your preferred provider is not included.
Can I pair DVH with a marketplace plan
Yes. Many people add DVH when they choose a Bronze or Silver plan to balance deductibles and routine care.
If you need help picking the right combination or want quotes tailored to your ZIP code and providers, you can contact us for a quick review and recommendations.