Stand-Alone Dental Plans – Why Medicare Agents Should Offer Them
Stand-alone dental coverage has become one of the most valuable add-ons for Medicare beneficiaries and a smart cross-sell opportunity for agents. Because Original Medicare does not cover routine dental care, seniors face steep out-of-pocket costs for services they use frequently. Offering stand alone dental plans fills this gap and strengthens your overall product portfolio.
Medicare Leaves a Major Dental Gap
Original Medicare excludes cleanings, exams, fillings, crowns, dentures, implants, and more. Beneficiaries often don’t realize this until they get the bill. Dental plans help you address this common pain point and provide solutions your clients genuinely need.
High Demand Among Seniors
Dental needs increase with age; gum disease, decay, cracked teeth, and periodontal issues. Stand-alone plans offer predictable costs and access to affordable care, making them an easy sell to clients on fixed incomes.
Preventive Care = Better Health
Most plans cover routine cleanings and X-rays at 100%. This encourages regular checkups and helps prevent expensive problems later. Clients appreciate plans that improve long-term health and reduce medical complications.
Affordable Premiums and Strong Benefits
Stand-alone dental plans typically offer:
- Low monthly premiums
- Basic and major service coverage
- Large provider networks
- Options to keep their current dentist
These features make dental plans simple to explain and highly attractive during enrollment discussions.
Medicare agents; learn how to sell ancillary products with Medicare – watch a quick video.
A Reliable Cross-Sell Opportunity
Dental plans pair easily with Medicare Supplement, Medicare Advantage, and stand-alone Part D coverage. Adding dental boosts client satisfaction, increases retention, and creates additional commission opportunities; all while genuinely improving your clients’ coverage.
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Offering stand-alone dental coverage helps you close Medicare’s biggest gap, deliver real value, and grow your book of business. With strong consumer demand and affordable pricing, dental plans remain one of the easiest and most impactful products to present in every client conversation.