If you’re thinking about selling dental, vision, and hearing (DVH) insurance plans, you might be wondering where to find potential clients. The good news is that many of your DVH prospects may already be within your existing Medicare or under-65 client base!
DVH insurance is a vital component of affordable, comprehensive healthcare. However, many clients may have gaps in their current coverage for dental, vision, and hearing needs. These ancillary plans are an excellent way to fill those gaps while giving you opportunities to cross-sell and increase your commissions.
Let’s explore why identifying clients for DVH plans may be simpler than you think!
Consider Medicare Supplement Clients
Medicare Supplement (Med Supp) plans typically do not cover routine dental or vision services. Some of your clients with a Med Supp plan may not be fully aware of this, making it essential to explain these limitations during quoting and enrollment discussions.
Reaching out to your existing Med Supp clients provides an excellent opportunity to offer dental, vision, and hearing (DVH) insurance. This coverage could address a need they didn’t realize they had.
Additionally, be sure to introduce DVH products during enrollment meetings with new clients purchasing Med Supp plans. Presenting these options can enhance their overall healthcare coverage while helping you grow your business.
Many Med Supp clients may not know their plan excludes routine dental and vision care—make it a priority to inform and assist them in bridging this gap.
Tap into Current Medicare Advantage Beneficiaries
While most Medicare Advantage (MA) plans include some dental, vision, and hearing (DVH) benefits, the coverage is often limited. This can leave your clients vulnerable to significant out-of-pocket costs for these essential services.
By offering DVH insurance, you can provide a valuable solution that enhances their existing MA coverage. These plans are an excellent complement to MA benefits, filling coverage gaps and providing greater financial protection.
Your current Medicare Advantage clients represent a ready-made opportunity for cross-selling. By addressing their unmet needs, you can strengthen client relationships and expand your business.
Expand Your Opportunities with ACA Beneficiaries
While Affordable Care Act (ACA) plans currently include dental coverage for children and will extend dental coverage to adults starting in 2027, most plans still lack comprehensive dental, vision, and hearing (DVH) benefits. If you’re building your Medicare pipeline by selling under-65 insurance—or even if your focus is solely on ACA plans—you have a great opportunity to cross-sell DVH coverage to these clients.
Offering supplemental DVH plans allows your ACA clients to avoid paying out of pocket for essential services like routine vision exams, glasses, and hearing evaluations. While the additional premium for a DVH plan might seem like a drawback initially, you can highlight the cost advantages. Comparing the affordable premium of a DVH plan against the often-high out-of-pocket costs of these services can help clients see the value.
As an insurance agent, educating your clients is one of your most important roles. By helping them understand how DVH coverage can save them money and enhance their overall health benefits, you can build trust and grow your business.
Discover New Opportunities with DVH Plan Replacements
If you’re actively selling dental, vision, and hearing (DVH) insurance, your current client base might hold valuable opportunities for plan replacements. Recommending a new DVH plan to clients who already have coverage could be advantageous, especially if the updated plan offers lower premiums, enhanced benefits, or overall better value. Clients will recognize and appreciate your commitment to finding solutions that align with their specific needs.
One key benefit of DVH plans is their flexibility—they can be sold year-round, freeing you from the constraints of enrollment periods tied to Medicare products. This allows you to revisit and reassess your clients’ needs throughout the year, providing more opportunities to deliver value and strengthen your relationships.
By periodically reviewing and, if necessary, replacing a client’s existing DVH plan, you ensure they receive the best possible coverage while positioning yourself as a trusted and proactive advisor.
Initiating DVH Conversations
Don’t hesitate to discuss the value and potential need for supplemental dental, vision, and hearing (DVH) coverage with your clients. Many may not realize that their current Medicare plan doesn’t fully cover these essential services.
During your fact-finding discussions, pay attention to clients who work part-time or for small businesses. Part-time employees often lack access to employer-sponsored benefits, and companies with fewer than 25 employees aren’t required to provide them. This creates an opportunity to highlight how DVH insurance can fill those coverage gaps.
By initiating these conversations, you not only create opportunities to boost your commissions but also help your clients achieve more comprehensive and well-rounded healthcare coverage. It’s a win-win for both you and your clients!
Selling dental, vision, and hearing (DVH) insurance offers valuable benefits for both you and your clients. The opportunity to provide these plans is readily available, and with the right resources and preparation, you’ll be well-equipped to meet their needs!
Not affiliated with or endorsed by Medicare or any government agency.
GET CONTRACTED WITH ESSENTIAL CARE INSURANCE AGENCY
For more information, please contact our office at 347-971-3399 or send an email to rdashevskyy@essentialcare.info.
Essential Care Insurance Agency provides Free Programs and Sales Tools for our Agents:
Please click on each link to learn more