Original Medicare generally does not cover routine dental care or hearing aids, as Medicare.gov explains for dental and for hearing aids. Many Medicare Advantage plans include some dental and hearing benefits, but limits vary widely. Standalone dental and hearing plans can fill gaps, if you know them well enough to set honest expectations.
I'm Justin Brock. Brock has helped agents serve 250,000+ Medicare beneficiaries. For a detailed look at one product, read Jackson Taylor's breakdown of Ameritas PrimeStar Care Complete on justinbrock.com. This piece covers the training your upline should provide for this whole category.
What agents need to know before quoting
- Waiting periods and step-ups. Many plans limit major services early and increase benefits over time.
- Annual maximums. What the plan pays per year and how it changes.
- Clauses that shape claims. Missing tooth provisions, frequency limits and network rules.
- State differences. Plan design and availability can differ by state.
- How it fits with MA dental. Stacking, coordination and when a standalone plan adds value.
What your upline should provide
- Product training that walks through brochures and disclosures in plain terms.
- Comparison tools for dental and hearing options in your states.
- Compliance guidance on Scope of Appointment for non-Medicare products under 42 CFR 422.2264.
- Case help when claims or applications raise questions.
Questions to ask an upline
- Which dental and hearing carriers can I offer in my states?
- Do you train on waiting periods, maximums and claim rules?
- How do I handle SOA when clients ask about dental during a Medicare appointment?
How Brock helps
Brock covers ancillary products in weekly product spotlights and offers a broad shelf. See our companion on ancillary product support and our Agent Resources.
Want to offer dental and hearing coverage with confidence? Book a call with the Brock team.
Frequently asked questions
Does Medicare cover dental and hearing aids?
Original Medicare generally does not cover routine dental care, dentures or hearing aids, according to Medicare.gov. Many Medicare Advantage plans include some dental or hearing benefits, with limits that vary by plan. Standalone plans can help fill the gaps.
What should agents check before quoting a dental plan?
Check waiting periods, annual maximums, how benefits change over time, frequency limits, missing tooth provisions, network rules and state availability. Read the carrier's brochure and disclosures for the client's state before you quote.
Can a client have MA dental and a standalone dental plan?
Often yes, but how benefits coordinate depends on the plans. Review the MA plan's dental limits and the standalone plan's terms to see whether the combination adds real value for the client's expected needs.
What training should my upline provide for dental and hearing products?
Look for plain-English product training on plan design, waiting periods and claim rules, tools to compare options in your states, compliance guidance on Scope of Appointment and case help when questions come up.