Best Dental, Vision & Hearing Bundle Plans (2026)

Dental care, vision care, and hearing care are three areas where Original Medicare falls short. Most seniors need all three types of care as they age, but buying separate plans for each one can be expensive and complicated. That is why many people look for bundle plans that combine dental, vision, and hearing coverage into a single package.

This article explains how dental, vision, and hearing (DVH) bundle plans work, where to find them, what they typically cost, and how to compare your options. Plans and coverage vary by location, so the details of any specific plan may differ from the general ranges discussed here.

Why Consider a Dental, Vision, and Hearing Bundle?

As you get older, the need for dental, vision, and hearing services tends to increase. Age-related changes can lead to tooth decay, gum disease, vision loss, and hearing decline. Original Medicare was not designed to cover these routine services, which creates a significant gap in coverage for millions of seniors.

A bundle plan addresses this gap by providing coverage for all three service categories in one plan. The main advantages of bundles include:

• Lower combined cost: Bundles are usually cheaper than three separate plans. You save on premiums and often on administrative costs.
• Simpler management: One plan means one premium, one ID card, and one set of rules to understand instead of juggling multiple policies.
• Access to hearing benefits: Standalone hearing plans are rare. Bundles are one of the few ways to get hearing aid coverage outside of Medicare Advantage.

Medicare Advantage Plans with Dental, Vision, and Hearing

The most common way seniors get DVH coverage is through Medicare Advantage (Part C). These plans are offered by private insurers approved by Medicare and must cover everything Original Medicare covers, plus they often add extra benefits. For more on the dental side specifically, see our guide to Medicare Advantage plans with the best dental coverage.

According to CMS data for 2026, the vast majority of Medicare Advantage plans include DVH benefits:

• 98% of plans offer some dental benefits
• 99% of plans offer some vision benefits
• 98% of plans offer some hearing benefits

Many Medicare Advantage plans have $0 additional premiums, meaning the only cost is your standard Medicare Part B premium. This makes them an attractive option for seniors who want all three types of coverage without paying for separate plans.

However, the level of benefits varies widely. Some plans only cover preventive dental (cleanings and exams) while others include comprehensive dental with crowns, dentures, and implants. Vision benefits may range from a basic eye exam to a generous eyewear allowance. Hearing benefits can range from a simple hearing test to thousands of dollars toward hearing aids.

What to Compare in DVH Benefits

Not all DVH bundles are created equal. When comparing plans, look at each category separately to understand the full picture of what you are getting.

Dental Benefits

• Annual dental maximum: This is the most the plan will pay for dental services per year. Look for plans with maximums of at least $1,000 to $2,000 if you expect to need anything beyond cleanings.
• Types of services covered: Preventive only, or does the plan also cover basic services (fillings, extractions) and major services (crowns, dentures, implants)?
• Copays and coinsurance: What is your cost for each type of service? Some plans charge flat copays while others use percentage-based coinsurance.

Vision Benefits

• Eyewear allowance: Many plans provide an annual allowance, often $50 to $300, toward eyeglasses or contact lenses. Higher allowances are more useful since even basic frames and lenses can cost $200 or more.
• Routine eye exams: Most DVH plans cover one routine eye exam per year. Check the copay amount, which can range from $0 to $50.
• Network providers: Does your eye doctor participate in the plan's network? Some plans use large national networks while others are more limited.

Hearing Benefits

• Hearing aid allowance: Plans that cover hearing aids typically provide an allowance of $500 to $3,000 per ear. This benefit often renews every one to three years, not annually.
• Hearing exams: Many plans cover one routine hearing exam per year. Some also cover fitting and follow-up visits for hearing aids.
• Brand restrictions: Some plans only cover certain hearing aid brands or require you to purchase through specific retailers. Check these details before enrolling.

Standalone DVH Bundle Plans

If you want to stay with Original Medicare and a Medigap supplement plan, you can still get DVH coverage through standalone bundle plans sold by private insurers. These plans are not connected to Medicare and are available to anyone, regardless of age.

Standalone DVH bundles typically cost between $30 and $80 per month, depending on the level of coverage. They may have separate deductibles and maximums for each category (dental, vision, and hearing). Some key things to know about standalone bundles:

• You can enroll at any time since they are not tied to Medicare enrollment periods
• Dental benefits may have waiting periods for basic and major services
• Vision and hearing benefits usually take effect immediately
• Provider networks may be different from Medicare Advantage networks

Costs of DVH Coverage: Bundles vs. Separate Plans

Understanding the cost differences can help you decide between a bundle and separate plans. Here is a general comparison of monthly costs:

• Standalone dental plan: $20 to $60 per month
• Standalone vision plan: $10 to $25 per month
• Standalone hearing plan: Rarely available as a standalone product
• DVH bundle plan: $30 to $80 per month
• Medicare Advantage with DVH: $0 additional premium for many plans (Part B premium still applies)

If you add up separate dental and vision plans, you could pay $30 to $85 per month before even finding hearing coverage. A bundle plan can consolidate these costs and often includes hearing benefits that are otherwise difficult to obtain on their own.

Pros and Cons of Bundles vs. Separate Plans

Both approaches have advantages and drawbacks. Here is what to consider.

Advantages of Bundles

• One monthly premium instead of two or three
• Hearing benefits included, which are hard to find separately
• Typically lower total cost than buying each plan individually
• Easier to manage paperwork and billing

Disadvantages of Bundles

• Less flexibility to choose the strongest plan for each category
• One category may have weaker benefits than a standalone option
• If you only need one type of coverage, you pay for benefits you may not use
• Provider networks may not include all of your current providers

How to Choose the Right DVH Plan

Choosing the right DVH plan starts with understanding your own needs. Think about which of the three categories matters most to you. If vision is your top priority, read our guide to the best vision insurance for seniors on Medicare for a deeper look at vision-specific options.

Here are the steps to narrow down your choices:

1. List your current providers: Write down your dentist, eye doctor, and audiologist (if you have one). Check whether each provider is in the plan's network.
2. Estimate your yearly needs: Do you expect to need major dental work, new glasses, or hearing aids in the coming year? Focus on the plans that cover those specific needs.
3. Compare total costs: Add up the annual premium, expected copays, and any out-of-pocket costs for the services you plan to use. The cheapest premium does not always mean the lowest total cost.
4. Read the benefit details: Pay close attention to annual maximums, waiting periods, and any limits on specific services like hearing aids or implants.

Special Considerations for Hearing Coverage

Hearing coverage deserves extra attention because it is one of the hardest benefits to find outside of a bundle or Medicare Advantage plan. Original Medicare does not cover hearing aids or routine hearing exams. For a complete overview of your options, see our guide to the best hearing aid coverage for seniors.

Hearing aids can be one of the most expensive health-related purchases for seniors. A pair of prescription hearing aids can cost $1,000 to $6,000. Over-the-counter hearing aids are a more affordable option at $200 to $1,000 per pair, but they are designed for mild to moderate hearing loss and may not be suitable for everyone.

When evaluating hearing benefits in a DVH plan, check how often the hearing aid allowance renews. Some plans offer an allowance every year, while others only renew every two or three years. Also confirm whether the plan covers fitting appointments and follow-up adjustments, which are an important part of getting hearing aids that work well for you.

The Bottom Line

Dental, vision, and hearing bundle plans offer a practical way for seniors to fill the coverage gaps left by Original Medicare. Whether you choose a Medicare Advantage plan with built-in DVH benefits or a standalone bundle plan, you can save money compared to buying three separate policies.

The key is to compare plans based on the benefits that matter most to you. Look beyond the monthly premium and examine annual maximums, copays, network providers, and any limits on hearing aid coverage. Plans and coverage vary by location, so take the time to research the specific options available where you live.