Coverage for the Care You Use Every Day
Dental visits, eye care and hearing services can add up quickly. Explore supplemental coverage designed to help you manage eligible dental, vision and hearing expenses.
Your health insurance may not cover every type of everyday care you need.
Dental services, routine vision care, glasses, contacts, hearing exams and hearing aids can create expenses that are easy to overlook when planning your healthcare budget.
JRF Services helps individuals and families explore Dental, Vision & Hearing insurance options designed to provide additional financial protection for these everyday healthcare needs.
Choose from flexible plan options, compare benefits and find coverage that fits your needs and budget.
Your Health Coverage May Not Cover Everything
Supplemental coverage can help address everyday healthcare expenses that may fall outside your primary medical coverage.
DENTAL CARE
Cleanings • Fillings • Crowns
VISION CARE
Eye Exams • Glasses • Contacts
HEARING CARE
Hearing Exams • Hearing Aids
Many people assume their health insurance or Medicare coverage automatically takes care of dental, vision and hearing needs.
That isn't always the case.
Original Medicare, for example, generally does not cover most routine dental care, routine eye exams for glasses or contacts, or hearing aids. Some Medicare Advantage plans may provide these benefits, but coverage varies by plan.
That is why it's important to understand what your existing coverage actually provides—and where additional protection may make sense.
JRF Services can help you explore supplemental Dental, Vision & Hearing options based on your individual needs.
One Solution. Three Important Areas of Care.
Protect more of the healthcare expenses that can affect your everyday life and household budget.
🦷 DENTAL
Help manage eligible expenses for preventive, basic and major dental services, depending on the plan you select.
👁 VISION
Coverage options can help with eligible eye exams, lenses, frames and contact-lens expenses.
👂 HEARING
Coverage options can help with eligible hearing exams, hearing aids and related repairs or supplies.
Coverage for Individuals, Couples & Families
Dental, vision and hearing needs don't disappear just because your medical insurance changes.
Dental, vision and hearing coverage may be worth exploring if you:
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Need additional protection beyond your existing health coverage
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Want help managing routine dental expenses
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Need coverage for glasses or contacts
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Want additional protection for hearing-related expenses
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Are transitioning into Medicare and reviewing coverage gaps
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Want supplemental coverage for yourself or your family
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Prefer having additional financial protection for everyday healthcare expenses
Your needs are unique. JRF Services can help you compare available options and determine which approach may fit your situation.
Choose the Coverage That Fits Your Needs
JRF Services offers two Dental, Vision & Hearing solutions with different levels of flexibility.
Not everyone needs the same type of coverage.
Depending on your needs, you can explore a traditional Dental, Vision & Hearing plan or the more flexible Dental, Vision & Hearing Select option.
Both are designed to help provide additional protection for eligible dental, vision and hearing expenses.
Dental, Vision & Hearing
Dental Coverage
Vision Coverage
Hearing Coverage
Individual Coverage
Family Coverage
Guaranteed Issue
Renewable Coverage
Benefit Options
Orthodontia
Dental-Only Option
Dental + Vision
Dental + Hearing
Dental + Vision + Hearing
✓
✓
✓
✓
✓
✓
✓
Up to $5,000
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—
—
—
✓
Dental, Vision & Hearing Select
Dental Coverage
Vision Coverage
Hearing Coverage
Individual Coverage
Family Coverage
Guaranteed Issue
Renewable Coverage
Benefit Options
Orthodontia
Dental-Only Option
Dental + Vision
Dental + Hearing
Dental + Vision + Hearing
✓
Optional
Optional
✓
✓
✓
✓
Flexible Options
✓
✓
✓
✓
✓
VIEW THE BROCHURES
Dental, Vision & Hearing
Straightforward supplemental coverage for three important areas of everyday care.
The Dental, Vision & Hearing plan combines dental, vision and hearing benefits into one supplemental insurance solution.
Available maximum benefit options include $1,000, $1,500, $3,000 and $5,000, depending on the plan selected.
Key features include:
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Dental, vision and hearing coverage
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Individual and family coverage options
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$100 deductible per person
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Guaranteed issue for eligible applicants
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Guaranteed renewable coverage
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Benefits that can increase over time
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No enrollment periods
DENTAL HIGHLIGHTS
Preventive Care
Exams, cleanings and X-rays with no waiting period.
Basic Services
Eligible services such as fillings, X-rays and extractions with no waiting period.
Major Services
Eligible major services may include bridges, crowns, full-mouth services and root canals, subject to applicable plan provisions and waiting periods.
VISION HIGHLIGHTS
Eligible benefits may include eye exams, refraction and expenses associated with eyeglasses or contact lenses, subject to plan provisions and applicable waiting periods.
HEARING HIGHLIGHTS
Eligible benefits may include hearing exams, hearing aids and necessary repairs or supplies, subject to plan provisions and applicable waiting periods.
Dental, Vision & Hearing Select
More flexibility. Choose the combination of coverage that makes sense for you.
Need dental coverage but don't necessarily need all three benefits?
Dental, Vision & Hearing Select gives you additional flexibility to choose from:
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Dental only
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Dental + Vision
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Dental + Hearing
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Dental + Vision + Hearing
The plan also includes orthodontia benefits and expanded dental coverage options.
Key features include:
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Guaranteed issue for eligible applicants
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$0 or $100 deductible per person
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Guaranteed renewable coverage
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Benefits that can increase over time
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No waiting periods for most dental services
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Orthodontia benefits
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Flexible dental, vision and hearing combinations
DENTAL HIGHLIGHTS
Eligible services may include:
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Exams
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Cleanings
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X-rays
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Fluoride treatment
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Fillings
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Extractions
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Endodontic services
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Periodontal services
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Prosthodontic services
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Implants
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Orthodontia
Orthodontia includes a 12-month waiting period and lifetime maximum, subject to plan provisions.
VISION HIGHLIGHTS
Eligible benefits may include:
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Eye exams
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Refraction
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Single lenses
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Bifocal lenses
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Progressive lenses
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Eyeglass frames
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Contact lenses
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Anti-reflective lenses
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Polycarbonate lenses
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Contact-lens fitting
HEARING HIGHLIGHTS
Eligible benefits may include:
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Hearing exams
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Hearing aids
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Necessary repairs
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Related supplies
IMPORTANT NOTE
Enrollment for Dental, Vision & Hearing Select is completed through the carrier platform with assistance from a licensed agent.
DENTAL ONLY → DENTAL + VISION → DENTAL + HEARING → DENTAL + VISION + HEARING
Protect Your Smile—and Your Budget
Routine dental care is important. So is being prepared for larger dental expenses.
Dental care can range from routine preventive visits to unexpected procedures.
Depending on the plan you select, coverage may help with eligible preventive, basic and major dental services.
That can include services such as cleanings, exams, X-rays, fillings, extractions, crowns, bridges, root canals, periodontal services, prosthodontic services and implants.
Coverage, benefit amounts and waiting periods vary by plan.
Don't Overlook Your Vision & Hearing Needs
Your ability to see clearly and hear confidently affects how you work, communicate and enjoy everyday life.
VISION
Depending on the plan selected, eligible vision benefits may include eye exams, refraction, lenses, frames and contact lenses.
HEARING
Depending on the plan selected, eligible hearing benefits may include hearing exams, hearing aids and necessary repairs or supplies.
Because benefits and waiting periods vary, it's important to review the specific plan details before enrolling.
More Ways to Make Your Dental Benefits Go Further
Use your coverage with provider flexibility and access to a nationwide dental network.
Depending on the plan and your choice of provider, you may have access to the Careington Maximum Care PPO Dental Network.
The network provides access to a large nationwide network of participating dentists and may provide discounted fees on eligible services.
Network participation is optional.
Always verify participating providers and applicable plan terms before receiving care.
Coverage Is Important. So Is Having Someone Who Can Help.
JRF Services helps you explore insurance options without making the process unnecessarily complicated.
Insurance can be confusing.
JRF Services gives individuals and families a simpler way to explore supplemental insurance options, understand available benefits and connect with a licensed insurance professional when they want additional guidance.
Whether you prefer to research online, review a brochure or speak directly with an agent, you can choose the approach that works best for you.
INDEPENDENT BROKER
Explore insurance options from an independent perspective.
PERSONAL GUIDANCE
Speak with a licensed insurance professional when you want help.
ONLINE OPTIONS
Explore plan information and begin the quote process online.
CLEAR EXPLANATIONS
Get straightforward information without unnecessary insurance jargon.
Dental, Vision & Hearing Insurance FAQs
Get answers to some of the most common questions before exploring your coverage options.
Does Medicare cover dental, vision and hearing care?
Original Medicare generally does not cover most routine dental care, routine eye exams for glasses or contacts, or hearing aids. Some Medicare Advantage plans may offer additional dental, vision and hearing benefits.
Why would I need supplemental Dental, Vision & Hearing coverage?
Supplemental coverage may help address eligible expenses that aren't covered—or aren't fully covered—by your existing health insurance or Medicare coverage.
Can I choose my own dentist?
Depending on the plan, you may have the flexibility to use providers inside or outside the network. The Careington Maximum Care PPO network may also be available for participating dental providers.
Are there waiting periods?
Waiting periods vary by plan and service. Some preventive and basic dental services may have no waiting period, while certain major, vision or hearing benefits may have waiting periods. Always review the specific plan documents for complete details.
Is coverage available for families?
Yes. Individual and family options are available, subject to the plan's eligibility requirements.
Are there different deductible options?
Yes. Depending on the plan, deductible options may include $0 or $100 per person.
Does the plan include orthodontia?
Dental, Vision & Hearing Select includes orthodontia benefits subject to the applicable waiting period, lifetime maximum and plan provisions.
How do I get a quote?
You can begin online through the Instant Quote option or schedule a call with JRF Services to discuss your options with a licensed agent.
Ready to Explore Your Options?
Find out which Dental, Vision & Hearing coverage may fit your needs and budget.
You don't have to figure out your supplemental coverage alone.
Explore your plan options online or schedule a conversation with JRF Services. We'll help you understand the available choices so you can make an informed decision about your dental, vision and hearing coverage.
VIEW PLAN BROCHURES
Looking for More Ways to Protect Your Budget?
Dental, vision and hearing coverage is only one part of a broader supplemental insurance strategy.
Explore additional supplemental insurance solutions designed to help address specific financial risks and healthcare expenses.