How to Get Dental and Vision Coverage with Medicare in Oklahoma: A Complete Guide with Weller Insurance Services

When most people think of Medicare, they assume it covers all healthcare needs, including dental and vision. However, that’s not entirely true. Original Medicare (Parts A and B) doesn’t include routine dental and vision coverage, which leaves many beneficiaries searching for supplemental options. This guide explains how you can get dental and vision coverage with Medicare and why Weller Insurance Services is the go-to expert in Oklahoma for navigating your Medicare benefits.

Understanding What Medicare Does and Doesn’t Cover

Before jumping into how to add dental and vision to your Medicare plan, it’s essential to understand what’s actually included in Original Medicare:

What Part A Covers:

• Inpatient hospital stays
• Skilled nursing facility care
• Hospice care
• Some home health care

What Part B Covers:

• Doctor’s services
• Outpatient care
• Preventive services
• Durable medical equipment

However, routine dental checkups, cleanings, fillings, dentures, eye exams, glasses, and contact lenses are not included under either Part A or B. This creates a significant coverage gap for seniors who still want to maintain oral and eye health.

Why Dental and Vision Coverage Is Important for Seniors

You may be wondering: “Is dental and vision insurance really necessary after 65?”

The answer is a resounding yes, and here's why:

1. Oral Health Affects Overall Health

Poor dental hygiene has been linked to:

• Heart disease
• Diabetes complications
• Respiratory infections
• Stroke

2. Vision Declines with Age

Eye conditions such as:

• Cataracts
• Glaucoma
• Macular degeneration
• Diabetic retinopathy

…become more common and require regular checkups and treatment.

Ignoring these vital areas of health can lead to expensive treatments later—and a lower quality of life. So let’s explore how you can fill the gaps.

How Can You Get Dental and Vision Coverage with Medicare in Oklahoma?

Luckily, there are three main ways to get dental and vision coverage if you’re on Medicare:

✅ 1. Enroll in a Medicare Advantage Plan (Part C)

Medicare Advantage plans are offered by private insurance companies approved by Medicare. Many of these plans offer extra benefits, including:

• Dental exams, cleanings, and X-rays
• Fillings, root canals, and dentures
• Vision exams
• Prescription eyeglasses or contact lenses

These plans combine Medicare Parts A, B, and sometimes D (drug coverage) with other extras, making them a popular choice for comprehensive care.

In Oklahoma, companies like UnitedHealthcare, Humana, and Aetna offer various plans. But figuring out which plan is best for your needs and budget? That’s where experts like Weller Insurance Services come in.

✅ 2. Buy Standalone Dental and Vision Plans

If you’d rather stick with Original Medicare, you can purchase standalone plans for dental and vision coverage from private insurers.

Companies like:

• Delta Dental
• VSP Vision
• Aetna Dental

…offer monthly premiums for plans tailored specifically for older adults.

✅ 3. Add a Medicare Supplement (Medigap) + Standalone Dental/Vision

Medigap plans help pay for costs Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles). However, they still don’t include dental or vision, so you’d still need a separate plan.

Challenges Seniors Face When Choosing Dental and Vision Plans

Let’s be honest—Medicare plan shopping can be overwhelming. Some common struggles include:

• Not knowing which plans are accepted by local dentists or optometrists
• Confusing plan language
• Difficulty comparing premiums, deductibles, and coverage limits
• Fears about enrolling in the wrong plan or missing deadlines

That’s why having a local expert on your side is so valuable.

Why Weller Insurance Services is the Best Medicare Guide in Oklahoma

If you’re in Oklahoma and looking for reliable, unbiased, and local help navigating your Medicare options, Weller Insurance Services should be your first stop.

Here’s why:

1. Local Expertise

Weller Insurance Services is Oklahoma-based, meaning they understand your specific healthcare environment, from available providers to state-regulated policies.

2. One-on-One Personalized Help

Unlike online quote engines, Weller provides:

Face-to-face consultations

Phone and email support

Customized plan comparisons

They’ll take time to understand your medical history, budget, and preferences before suggesting any dental or vision coverage.

3. Licensed and Independent

They are licensed brokers but not tied to any one insurance carrier, meaning they can help you shop from multiple plans without bias.

4. No Extra Cost to You

Medicare brokers are paid by the insurance company, so using Weller’s services won’t cost you anything extra. Their expert guidance is completely free to you.

Popular Dental and Vision Plans Offered Through Weller

Weller Insurance Services works with all major Medicare Advantage and standalone insurance providers. Here are some types of plans they often recommend (based on your unique needs):

⭐ Medicare Advantage Plans with Dental/Vision:

• Humana Gold Plus HMO
• $0 monthly premium
• Preventive and basic dental coverage
• Annual vision exams + eyewear allowance
• Aetna Medicare Premier
• Comprehensive dental (up to $1,500 annually)
• Vision and hearing coverage

⭐ Standalone Dental Plans:

• Delta Dental PPO
• Large Oklahoma network
• No waiting period for basic services
• Cigna Dental 1500
• $1,500 in annual benefits
• Preventive, basic, and major services

⭐ Vision Plans:

• VSP Standard Plan
• Annual exam + eyewear every 12 months
• Low monthly premium
• EyeMed Vision Care
• Discounts on LASIK
• Network includes national chains like LensCrafters

How to Get Started with Weller Insurance Services

Getting help is easy. Here’s how to get started:

Step 1: Schedule a Free Consultation

Call Weller Insurance at 405-721-2021 or visit https://callweller.com/ to book a Medicare consultation.

Step 2: Bring Your Medicare Info

Have your red, white, and blue Medicare card ready, plus any current plan documents.

Step 3: Get a Customized Plan Match

Weller will help you compare plans based on your preferred dentists and optometrists, your prescription needs, and your budget.

Step 4: Enroll with Confidence

Once you choose a plan, they’ll walk you through the enrollment process step-by-step—making sure you don’t miss any deadlines or paperwork.

When Can You Enroll in Dental and Vision Coverage?

Timing is everything. Here’s when you can sign up:

Initial Enrollment Period (IEP)

• Starts 3 months before your 65th birthday
• Ends 3 months after your birthday month

Annual Enrollment Period (AEP)

• Runs from October 15 to December 7
• You can switch from Original Medicare to a Medicare Advantage plan with dental and vision

Special Enrollment Period (SEP)

• Triggered by life events like moving, losing coverage, or leaving your employer’s plan

Weller Insurance will help ensure you enroll during the right window so your coverage is seamless.

Pro Tips from the Experts at Weller Insurance

✔️ Don’t delay getting dental or vision coverage—delayed treatment often leads to higher out-of-pocket costs later.

✔️ Ask about provider networks—make sure your preferred dentist or eye doctor is in-network.

✔️ Compare co-pays, premiums, and maximums—don’t just go for the lowest premium; look at the whole picture.

✔️ Bundle for savings—some plans offer discounts when you combine dental and vision.

✔️ Use preventive care—many plans cover 100% of cleanings and checkups to avoid larger issues.

Conclusion: Protect Your Smile and Sight with the Right Medicare Coverage

Medicare doesn’t automatically cover dental and vision, but that doesn’t mean you have to go without. With the right plan—and the right local advisor—you can enjoy comprehensive coverage that protects your health, wallet, and peace of mind.

If you’re in Oklahoma, trust Weller Insurance Services to guide you through every step. Their local expertise, personalized approach, and access to top-tier plans make them the best resource for Medicare dental and vision coverage in the state.