Here’s something that surprises many Medicare beneficiaries: Original Medicare offers virtually no dental or vision coverage. Medicare Advantage plans include some benefits, but they come with tight coverage limits and only cover certain procedures at 100%. For anything comprehensive — crowns, bridges, root canals, progressive lenses — you’ll want a dedicated dental and vision plan.

Standalone dental plans from reputable carriers can cover 30% to 80% of comprehensive procedures, depending on the plan you choose. Keep in mind there are typically annual maximums and waiting periods for major work, but routine care like two cleanings per year is often covered at 100% right away. Pairing dental and vision coverage is common and cost-effective — protecting both your smile and your sight in one plan.

Hospital stays are stressful enough without worrying about the bills that follow. Hospital Indemnity Flex insurance is designed to fill exactly those gaps — providing direct cash payments to you based on the number of days you’re hospitalized. Even when Medicare picks up most of the tab, your out-of-pocket costs can still be substantial: deductibles, copayments, and expenses that pile up during recovery.

With hospital indemnity coverage, that cash payment is yours to use however you need — whether that’s paying your Part A deductible, covering a home health aide, or simply keeping the lights on while you recover. It’s a simple, flexible safety net that works alongside your existing Medicare coverage.