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As you get older, your healthcare needs may change. Since Original Medicare insurance doesn’t cover many dental, vision or hearing services, you may consider dental and vision insurance for seniors or hearing insurance for seniors to help manage these expenses. Aflac’s dental, vision and hearing (DVH) insurance bundles these coverages into one plan, helping you stay on top of your health and can reduce your out-of-pocket costs. Read on to learn how DVH plans work and what they cover.
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As you age, maintaining your oral, visual and hearing health becomes increasingly important. Without routine care, small issues can develop into more serious conditions, from gum disease to vision or hearing loss. Regular checkups can help catch these problems early on and address them before they become more complex and costly to treat.
While Medicare covers many health services, it doesn’t typically cover routine dental, vision or hearing care. Without a separate DVH plan, you may need to pay out of pocket for services like:
An affordable DVH plan can help fill these coverage gaps so you can manage the costs of these services with confidence.
DVH insurance for seniors combines three types of coverage into one plan with a single monthly premium. These plans can help you pay for:
Rather than purchasing three separate plans and paying multiple monthly premiums, this bundled approach can simplify your budget and make it easier to manage your healthcare needs.
With a DVH plan, you pay one monthly premium for combined coverage. Once you're a DVH policyholder, you can:
Aflac offers a DVH Core Plan and DVH Elite Plan, so you can choose the coverage level that best aligns with your needs and budget. Better yet, our DVH plans offer increasing benefits over time. As you maintain your policy, your deductible may decrease as your annual maximum benefits increase, helping reduce your long-term costs.
Don’t wait until it’s too late. Help protect yourself and your family with coverage from Aflac.
Get StartedCoverage varies by plan, but many hearing, dental and vision plans for seniors can help with preventative care, basic and major services.
Before you choose a plan, review its coverage details to ensure you understand exactly which services it can help you pay for.
The cost of DVH insurance can vary based on your plan and coverage choices. When comparing options, you can review the following factors to find a plan that best fits your budget:
Comparing your options can help you find the best dental vision and hearing insurance for seniors based on your needs and budget.
For example, Aflac’s DVH Core Plan offers lower premiums, higher out-of-pocket expenses/costs and lower annual maximums. Our DVH Elite Plan offers shorter waiting periods, lower out-of-pocket expenses and a higher annual maximum, along with higher monthly premiums. The right choice ultimately depends on what services you need and how often you plan to visit your DVH providers.
If you’re ready to enjoy added peace of mind that can come with DVH insurance coverage, you can apply for a plan from Aflac by following these steps:
Dental, vision and hearing care are essential to your overall health. With the right coverage, you can stay on top of routine care and be better prepared for unexpected expenses as you age.
Aflac’s DVH insurance offers flexible plan options that combine dental, vision and hearing coverage into one policy. With benefits that may increase over time, you can continue to reduce your out-of-pocket costs as your healthcare needs evolve.
Contact an Aflac agent today to learn more and get a quote!
Get Started
Dental insurance can help lower your dental care costs. Learn how dental insurance works and the benefits and coverage this type of plan offers.
Vision insurance can help you lower eye care expenses and maintain good eye health. Learn how vision insurance works and how much it costs.
Dental insurance can help lower your dental care costs. Learn how dental insurance works and the benefits and coverage this type of plan offers.
Vision insurance can help you lower eye care expenses and maintain good eye health. Learn how vision insurance works and how much it costs.
1 Medicare.gov- “What’s not covered?” https://www.medicare.gov/providers-services/original-medicare/not-covered. Accessed May 18, 2026.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent/producer.
Dental, Vision, and Hearing coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Dental, Vision and Hearing: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Not available in New Jersey, New York, New Mexico or Virgina. Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing. NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
Coverage/plan levels may not be available in all states, including but not limited to NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
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