Home » Dental, Vision & Hearing Insurance » Dental, Vision & Hearing Insurance with Central United Life

Dental, Vision, and Hearing Insurance with Central United Life Insurance Company Covers What Medicare Doesn’t

Dental Vision Hearing from Central United Life Insurance CompanyDental, vision, and hearing insurance is an important addition to your Original Medicare Parts A and B coverage. Why? Because Medicare does not cover your typical dental, vision and hearing exams and expenses, nor does Medicare supplement insurance.

The Dental Vision Hearing coverage through Central United Life Insurance Company covers many of the typical preventive checkup and services you need for healthy teeth, eyes and ears.

Here are just a few benefits of this important coverage:

  • Affordable premiums, as low as $34.17 a month
  • Choose your own provider, no networks
  • Guaranteed issue, there is no underwriting or stress about being approved
  • Covers two dental exams, cleaning, & x-rays per year; basic eye exam or eye refraction, including cost of eye glasses or contact lenses; hearing exam, hearing aid and necessary repairs or supplies.
  • Also covers endodontics, root canals, periodontal surgery, bridges, crowns and dentures*

Our dental, vision and hearing coverage through Central United Life is the perfect add-on for your Medicare and Medicare supplement insurance coverage. Don’t worry about routine dental, vision and hearing exams! This gives you the peace of mind to know that wherever you go, and whomever you use for your dental, vision and hearing needs, you have some protection in place.

This plan also includes a 30 day free look period.** Take 30 days after you receive your policy to review your coverage. If for any reason at all you decide it is not what you had in mind, just return it. You will promptly be refunded your premium.

Learn more about Dental Vision and Hearing Coverage!

Download the brochure to learn more about this important additional coverage.

This policy pays for covered expenses, based on the contracted fee for Participating Dentists and the Reasonable and Customary Charges for Non-Participating Dentists, up to the policy maximum.

Questions about Dental, Vision and Hearing insurance?

Call us toll free at (800) 310-2550 from 9am to 5pm Central time Monday through Friday and one of our trained experts can answer your questions and provide you with more information about this important coverage!

* Coverage begins after year 1, 70% paid policy during year 2, and 80% policy paid during year 3 and greater
** In ID, LA, MD, MO, OK, and PA, the return period is 10 days.

For more information about Dental, Vision and Hearing coverage, call us directly at (800) 310-2550

Compare Your Medicare Supplement Rates Immediately!

69 Replies to “Dental, Vision & Hearing Insurance with Central United Life”

  1. I’m enrolled with you but you have the spelling of my last name wrong……it’s KORINEK, WILLIAM W. JR.

    Thank you

    1. Hi Mr. Korinek,

      We don’t show that you are a client of GoMedigap’s. We’re guessing you are a client with Central United Life. We recommend that you call them directly to correct the spelling of your name. Here is the CUL customer service number: (800) 669-9030.

      GoMedigap is a Medicare Supplement Insurance agency. Our goal is to help you understand your coverage options and empower you to feel comfortable making the best decision for your Medicare Supplement. We represent over 30 of the top Medicare Supplement Insurance companies to ensure you have multiple options when it comes to choosing an insurance company. Once you are a client, our Rate Watch team will constantly monitor your rates to make sure that you have the best coverage for the best price.

      We encourage you to call and speak with one of our friendly and knowledgeable agents to receive trustworthy information and review your coverage options. Our phone number is (800) 310-2550. We look forward to speaking with you!

      1. Have not receive a policy or card . had dental work done it was ineligible WHY? THE person I talk to didn’t say had to submit a plan first

        1. Hi Ms. Sweet,

          We do not show that you are a client with GoMedigap. Do you have the Dental, Vision & Hearing insurance policy with Central United Life directly?

          Unfortunately, because you are not a client with GoMedigap, we do not have access to your policy information. If you have not received your policy card, I recommend that you call CUL directly at 1-800-877-7703.

          Please let me know if we can help any further.

  2. Are these available in every state? So there is no certain provider the client needs to go to? Do they pay the percentage no matter what?

    1. Hi Mr. Rockweiler,

      Yes, the DVH policies are available for use in every state with no provider network. The DVH coverage is immediately available for use for basic and preventative services. For more extensive services, you must wait a period of time depending on the service. For contacts and glasses, there is a 6-month waiting period. For major services (like root canals, dentures, crowns, etc.), there is a 1-year waiting period. During the second year of coverage, your insurance will cover 70% of these major services. For your third year and the following years, the insurance will cover 80% of the cost.

      Please let us know if you have any other questions!

    1. Hi there,

      Good question. Your Dental, Vision and Hearing Insurance is immediately available for use for basic and preventative services. You must wait 6 months in order to be able to use it for contacts and glasses, and a full year for the more complicated services like dentures, root canals, crowns, bridges, etc. For your second year of coverage, your insurance will cover 70% of the cost for the major services. After your first and second year having your Dental, Vision and Hearing coverage, the insurance will cover 80% of the cost for major services.

      If you would like, please give us a call at (800) 310-2550 to speak with one of our knowledgeable, expert agents. They give trustworthy, unbiased advice to ensure that you find the right coverage specifically for you and your needs. I’m confident you’ll be glad that you did. Have a great day!

  3. I am only 58 but am on Medicare and Medicaid, however, Medicaid only covers the very basic dental and vision services. I am in need of a more comprehensive plan that would cover the cost of eyeglasses, for example. I researched your Medigap plans and the lowest priced plan was over $300 per month which I cannot afford. I then called goMedigap but was told that I had to be 64 or over for those plans. I am on SSDI and cannot afford to pay those kind of astronomical fees per month. Where am I supposed to find a plan if you can’t help me?

    1. Hi Bernadine,

      Just for clarification, Medigap plans do not include Dental, Vision and Hearing coverage. You can get a separate Dental, Vision and Hearing (DVH) policy even if you are younger than 64. At GoMedigap, the DVH policies we offer typically range from $30-40 per month and require no medical underwriting. If you would like to learn more about the Dental, Vision and Hearing policies that we offer, please give us a call at (800) 310-2550 and one of our agents will be happy to set you up with the right DVH coverage. Or, you can visit this page for more information:

      https://www.gomedigap.com/dental-vision-and-hearing-coverage/

      However, if you are looking for additional medical coverage and need help financially, please contact your Area Agency on Aging. You can find the closest office by typing “Area Agency on Aging” followed by your zip code in Google.

      Let us know if you have any additional questions!

    1. Hi Ms. Karson,

      Dental, Vision & Hearing Insurance does not cover cataracts surgery. For Medicare Part B beneficiaries, 80% of the cost for cataracts surgery will be covered. In order to receive coverage for the remaining 20% of expenses, you would need to also have a Medicare Supplement Insurance policy.

      At GoMedigap, we represent over 30 of the top Medicare Supplement Insurance providers. Our agents give unbiased and trustworthy advice regarding which coverage plan and carrier will be the best option for you specifically. If you would like help regarding Medicare or Dental, Vision and Hearing, please give us a call at (800) 310-2550. I’m confident you’ll be glad you did!

  4. Hello
    My name is Larry and I have a couple of questions. First of all, I never heard
    of a Vision plan with a waiting period of a year for glasses Why is this? I never
    heard of this before. So if I need a pair of glasses or contacts its a year wait! This is
    absurd! Also why is there 6 an 12 month waiting periods to have major dental work
    done. Do you pay 100% percent of preventative services and can I get them right away?
    What if I have a emergency and have to have a tooth pulled? As far as your plan goes, I think the no network part is a good idea. My wife and I have a good dentist that we can
    walk to.. Also if someone needed a hearing aid, would they have to wait a year to get one
    What is the reason for a waiting period anyway. This is the bad news. You are not the only
    company to have waiting periods I have looked up other companies with the same deal.
    Your prices are probably good, Although I have not checked this out yet. But I just would like answers to this. By the way I am 71 and my wife is 61. Neither of us work and I am on
    Medicare, but my wife is too young for Medicare.
    Thank you

    1. Hi Larry,

      These are very good questions. Many Dental, Vision and Hearing policies implement the waiting period in order to prevent people from waiting until they have an expensive problem to sign up for the coverage.

      The waiting period is 6 months before the plan will cover your glasses and contacts. The waiting period of 12 months for major dental work and hearing aids is due to the low cost premiums for the plan. With our policies, you can use your annual benefit for any of the three categories: Dental, Vision or Hearing. You could use it all on dental, or half on dental and half on vision – it’s up to you! For you, our plans are $31 to $41 per month, with an annual benefit of $1,000 or $1,500 (depending on which plan you choose). For your wife, the plan premiums will be as low as $29 per month due to her age.

      The plan has an increasing payout schedule as follows: 60% of your services done the first year (i.e. if you spent $100, you’d get $60 back), 70% the second year, and 80% the third year and thereafter.

      If you’d like to learn more about our DVH policies and what exactly they cover, please give us a call at (800) 310-2550. Our friendly and knowledgeable agents will be able to answer any questions and find the option that best suits your needs. I’m confident you’ll be glad you did!

  5. Trying to get registered online. Do not see a link here. Manhattan life ins site does not recognize my policy#. Please help. My card says: central united life, dental, visio, hearing. How do I get registered???

    1. Hi Ms. Nunn,

      You can register at http://www.manhattanlife.com, or by calling directly at 1-800-877-7703. Alternatively, you can call the phone number on the back of your policy card and they will be able to help you.

      Let us know if you have any further questions!

    2. Don’t put the whole policy number just the numbers after the space. It’ll be 6 numbers all together. I did all the numbers too. There will be 2 numbers a space then 6 numbers. Type in the 6 numbers only and it’ll work.

  6. Dental or vision preventive check-ups I know you pay 60% 70% and 80% but do you have to pay a deductible before you use these preventive services.

    1. Hi Mr. Defino,

      There is a minor $100 annual deductible for Dental, Vision and Hearing Insurance. This deductible applies to all three, so you will not need to pay three separate deductibles for each.

      Let me know if you have any other questions. If you’d like, give us a call at (800) 310-2550, and one of our knowledgeable and friendly agents will be readily available to help you find the DVH coverage that suits your needs, for as low as $31/mo. Have a great day!

  7. I understand the preventative services you say are covered. However what are the “basic” services? Is it like extractions and fillings? Also for the preventative services, how much is paid by the policy and how much will I have to pay? Thank you for your help.

    1. Hi Jacqueline,

      Yes, basic services are your small mouth extractions, fillings, cleanings, etc. For major services (like root canals, dentures, crowns, etc.), there is a 1-year waiting period.

      During your first year of coverage, 60% of your preventative services will be covered by your insurance. During the second year, 70% of the cost will be covered. During the third and following years, 80% of the expense will be covered, and you will pay 20%.

      Please don’t hesitate to give us a call at (800) 310-2550. Our agents will be readily available to help you find the coverage that you need, with monthly rates starting at $31/mo. Have a great day!

  8. I’m just getting setup with this insurance. I need to have a lot of periodontal work done, how soon can I take advantage of this being covered?

    1. Hi Rosie,

      It would depend on the specific work that you need done. Basic and preventative services are covered (60%) right away. For major services, there is a 12-month waiting period before the insurance will cover the procedure.

      If you are needing to have periodontal surgery done, there would be a 12-month waiting period. During your second year of coverage, the insurance would cover 70% of the cost. During your third and following years of coverage, the insurance would cover 80% of the cost.

      If you are unsure whether the specific work you need done is covered or not, you can call the insurance company directly or, feel free to give us a call at (800) 310-2550. Thank you for your comment!

  9. Where can I find a list of the dental/vision “participating” providers?

    This policy pays for covered expenses, based on the contracted fee for Participating Dentists and the Reasonable and Customary Charges for Non-Participating Dentists, up to the policy maximum.

    1. Hi Mr. Ferris,

      That’s a great question. There is no network of participating providers for this plan, because this is an indemnity plan. This means that you can visit any doctor or provider, and the plan will reimburse you for the set amount.

      Central United Life reimburses you based on the percentage level for the number of years you have had the plan: 60% for the first year, 70% for the second year, and 80% for the third and following years.

      If you have any additional questions, please give us a call at (800) 310-2550. Our agents will be happy to answer your questions and give you unbiased advice to find the best coverage that suits your needs.

      Have a great day!

  10. I am a client of yours since 11/1/2016.
    I have medicare A and B and medigap g.
    plus I have you for dental and vision and hearing.
    I was just told I have a ear disease that is robbed me of 50% of my hearing in one ear.
    Yes I now need a hearing aid for the right ear.
    The ringing of the ear is enough to drive me nuts. Will my policy cover some of the hearing aid cost. The audiologist is helping me get the right fit and it will be a Oticon to help with the noise.

    1. Hi Mr. Yellen,

      The waiting period on hearing aids is one year from the policy effective date. The DVH plan will not cover any hearing aids until that one year mark. For you, that will be November 1, 2017. Once you hit the one year mark from your policy effective date, your plan will cover 70% of the cost, up to the plan benefit ($1000 or $1500, depending on which plan you have).

      Let me know if you have any other questions. As always, feel free to call us at (800) 310-2550 and our agents will be readily available to answer any questions you have. Have a great day!

    1. Hi Mr. Ortiz,

      Yes, with a Dental, Vision and Hearing policy, you will pay your doctor first, then be reimbursed once your file a claim. Your Dental, Vision or Hearing provider billing office may be willing to file the claim for you if asked. The money would then be reimbursed directly to the insured.

      The plan has an increasing payout schedule as follows: 60% of your services done the first year (for example, if you spend $100, you’ll receive $60 back), 70% the second year, and 80% the third year and thereafter.

      If you are searching for Dental, Vision, and Hearing coverage, I recommend that you give us a call at (800) 310-2550. One of our agents will be readily available to answer any questions and find the option that best suits your specific needs. I’m confident you’ll be glad you did!

  11. Can the 1 year waiting period for dental be waived if one has proof of coverage with an equal dental provider such as Delta Dental (Buy Up Plan)?

    1. Hi there,

      Unfortunately, the waiting period cannot be waived. Many Dental, Vision and Hearing insurance companies use the waiting period as a protection to prevent people from waiting until they have an expensive problem to sign up for the coverage, then cancelling once it is fixed.

      Your Dental, Vision and Hearing coverage is immediately available for basic and preventative services. However, you must wait 6 months in order to be able to use it for contacts and glasses, and a full year for the more complicated services like dentures, root canals, etc.

      The payout schedule is as follows: 60% of your services done the first year (if you paid $100, you’d receive $60 back), 70% the second year, and 80% the third year and thereafter.

      If you’d like to learn more about your Dental, Vision and Hearing coverage options, please give us a call at (800) 310-2550. We offer policies as low as $31/month, with an annual benefit of $1,000 to $1,500 (depending on which plan you choose). Our friendly and knowledgeable agents will be readily available to answer any questions you may have, and help you find the option that best suits your needs.

  12. QUESTION: If I go to get my eyes checked and find out I need cataract surgery. I have your heath insurance What will I be covered for Thanks

    1. Hi Ms. Beam,

      Original Medicare (Part B) specifically covers the removal of the cataract, basic lens implants and one set of prescription eyeglasses or contact lenses after the surgery. Although Medicare covers basic lens implants, it does not cover more advanced implants.

      Original Medicare will cover 80% of these expenses, and your Medicare Supplement the remaining expenses (depending on which plan you have).

      Let me know if you have any additional questions. As always, feel free to call our office directly at (800) 310-2550 and we’ll be happy to help you and answer any questions. Have a great day!

    1. Hi there,

      It takes about two weeks for you to receive the check. Let me know if you have any further questions!

  13. Will insurance cover the applicable percentage regardless of the charges by a dentist for routine care or a percentage of some customary level of costs for that service? Will I get 60% of the ACTUAL costs reimbursed after paying the deductible?

    1. Hi Steve,

      According to CUL, they will reimburse the 60% of actual charges, meaning the actual amount of money a physician or other provider in the US charges for a certain medical service or product. Visits to a specialist are not covered, but only during the first year.

      The payout schedule is as follows: 60% reimbursement during your first year, 70% during your second year, and 80% during your third and following years.

      When you become a client with Central United Life, you will receive a policy packet. In your packet, there is a section entitled “Benefits.” Under this section, it will explain exactly what you pay and when you pay it. For instance, it’ll read something like: “We pay 60% of actual charges within the first year of your policy.”

      If you have any additional questions regarding our DVH policies, please give us a call at (800) 310-2550, and we’ll be happy to answer any and all questions. Have a great day!

  14. I am a customer since Jan.1 2017 I have your DHV plan along with Medicare supplement.My question was how to file a claim for a hearing test. Thank you

    1. Hi Mr. VanSickler,

      You can file your claim online at: https://ww2.manhattanlife.com/PHC/Account/Login.aspx?ReturnUrl=%2fphc%2f

      Or, you can mail it directly to CUL. I’ve pasted the claim form and address below.

      https://mcrbi5m3i02dhh0n2fx2mgb8-wpengine.netdna-ssl.com/wp-content/uploads/2015/11/CUL-Hearing-Claim-form-1-15.pdf

      CUL Claims Department
      P.O. Box 925309
      Houston, Texas 77292-2728

      Their phone number is 800-669-9030 if you’d like to call them directly for instructions. Have a great day!

  15. I am getting supplemental part b through a private company. Can I still get this coverage for dental and vision?

    1. Hi Ms. Quintana,

      Yes, absolutely. Dental, Vision & Hearing insurance is separate from Medicare supplement insurance. Because neither Medicare nor Medicare supplement insurance covers Dental, Vision and Hearing, we highly recommend that you supplement your coverage with our DVH coverage.

      The rates start as low as $31/month, and the coverage can be used interchangeably between dental, vision and hearing expenses. Please give us a call at (800) 310-2550, and one of our agents will be available to explain the coverage and get you signed up efficiently. Have a great day!

    1. Hi Mr. Abner,

      After you pay the $100 deductible, you will reimbursed for 60% of the cost during your first year of coverage. During your second year, you will receive 70% reimbursement. During your third and following years of coverage, you will receive 80% reimbursement.

      If you have any additional questions about the coverage, or would like help signing up for Dental, Vision and Hearing insurance, please give us a call at (800) 310-2550. Our agents will be readily available to answer any questions. Have a great day!

  16. Hi
    Each time I have tried to make an appt in Richmond, VA I am told over the phone they have 1) never heard of this ins or 2) do not take it. The website says there are no networks, and I can go to anyone. How do I convince the front desk I have insurance?
    Bill

    1. Hi Bill,

      I’m sorry that you are having those issues. Because the Dental, Vision and Hearing Insurance is an indemnity plan, you go in and pay for the service like normal, then have them fill out the claim form and attach the receipt of service. Then, you submit it to Central United Life yourself and they will send you the reimbursement check.

      I hope that helps. Please let me know if I can be of any further assistance. Have a great weekend!

    1. Hi Linda,

      If you go directly to our DVH Resources page, you’ll see the claim forms under CUL to print and fill out.

      Please let me know if you have any additional questions. Have a great day!

  17. Does the vision insurance cover:
    . scratch resistance coating
    . progressive lenses (no-line bi/trifocals)
    . polycarbonate lenses
    . anti-reflective coating
    . polarization

    Is there an allowance for frames?

    Does it cover a second pair of glasses such as sunglasses?

    Am I correct in understanding that the $1.000 or $1.500 benefit covers both vision and dental for each year – you get that benefit amount per year and can use all that amount for either vision or dental – or you can split it up and use some on vision and some on dental?

    The premium amount – does that cover both dental and vision per month?

    Thank you for your help!

    1. Hi Ms. Rita,

      The Dental, Vision and Hearing insurance covers single, bifocal, trifocal and progressive lenses, along with the frames. They do not cover sunglasses, or any extras, such as: anti-reflective coating, polarization, scratch resistant coating, or polycarbonate lenses.

      Yes, you are correct in your understanding of the benefit period. You can use it all for dental or all for vision, or split it up evenly. It resets every year.

      The monthly premium covers dental, vision AND hearing each month.

      Please let me know if you have any additional questions. If you’re interested in learning more about the Dental, Vision and Hearing Insurance and would like to speak to someone directly, please give us a call at (800) 310-2550, and one of our expert agents will be readily available to help you. Have a wonderful day!

  18. How much would the $1500 per year cost in addition to the $29.00 policy presently presented? What is the deductible on the lower price policy if any and what is the deductible on the $1500 per year if any? If I get the larger premium plan would this be an indemnity plan and just what does this entail? Can I approach almost any dentist or is there a list? These plans are the so-called Central United Life we suppose plans.

    1. Ms. Mason,

      The $1,500 plan costs $38/month if you are under 65, or $41/month if you are over 65. It works exactly the same as the $29/month plan. You can visit any dentist, because it is an indemnity plan. Essentially, you simply visit your dentist and then submit a claim to Central United Life after you receive your bill.

      There is a $100 annual deductible.

      If you have any additional questions, please do not hesitate to reach out to us at 800-310-2550 and one of our agents will be happy to help you. Have a great day!

  19. Hi have the DVH policy I’m 68. I have hearing aids but are needing new ones. what will my policy cover on replacement hearing aids?

    1. Mr. Bracher,

      So long as you are in your second year of owning your DVH policy, the plan will pay back 70% of your expenses, up to the coverage limit of either $1,000 or $1,500, depending on which plan you own.

      Please let me know if you have any additional questions. Have a great day!

  20. As an indemnity plan, it appears that the dentist can charge his usual outrageous fee and upon filing my own claim the insurer will determine what the fee should have been and pay out the percentage applicable. The rest is all my cost! In traditional dental insurance (Cigna, Delta, etc) the dentist claims to be participating. He files the claims and takes the write-off from his usual outrageous fee and the accepted fee by insurance, and my resulting bill is the accepted percentage. Looks like a lot of uncovered risk here.

    1. Hi Mr. Silkworth,

      The Central United Life Dental, Vision and Hearing plan does not follow the “reasonable and customary” charges you are referring to. This plan is a true reimbursement plan. Therefore, if you spend $1,000 on dental work, you will get the full reimbursement based on the percentage that is covered determined by how long you have held the policy which is as follows: 60% reimbursed in the first year, 70% in the second year, and 80% in the third and following years.

      If you have any additional questions, feel free to call us at 800-310-2550.

  21. I have a question I need to know who takes this insurance in I need to know how I can have them stop billing my account

    1. Hi Ms. Kozee,

      I have forwarded your email over to an agent who will be contacting you to discuss your situation and help resolve any issues. Have a great day!

  22. I evidently have your insurance,but have not received a policy,I do want to cancel the insurance.How do I go about doing that. My wife also needs to cancel hers.

    1. Hi Mr. Tull,

      We do not show that you are a client with GoMedigap. If you purchased your DVH policy from Central United Life, you’ll need to contact them directly.

      Here is a link to contact them directly: Contact Central United Life

      Please let me know if you have any additional questions.

  23. Not sure I fully understand the $1,000 or $1,500 amount. Is that per visit? Or is that per month? Or is that per year?

    If it’s per month or per year, is it dental, hearing, and vision total, or each individually?

    1. Hi Mr. Gurevitz,

      Whether you will receive the $1,000 or $1,500 benefit will depend on which plan you choose. That benefit is available per year, and is for Dental, Vision and Hearing coverage altogether. You could use the benefit entirely for Dental coverage, or you could use half for Dental and half for Vision. It’s really up to you.

      Please let me know if you have any additional questions. If you’d like to speak with someone about the Dental, Vision and Hearing coverage to understand your benefits and options, please give us a call at (800) 310-2550 during normal business hours and we will be happy to help you.

      Have a great day!

    1. Susan,

      Yes, the $100 Deductible is an Annual Deductible per person. Please let me know if you have any additional questions. Or, feel free to call us directly with questions at (800) 310-2550.

  24. I get periodontal preventative maintenance cleanings every 6 mos. My current dental insurance plan Delta Dental (not indemnity, it’s a network plan) covers this service with no waiting period. Does Central United Life cover periodontal preventive maintenance cleanings? Is there a waiting period? And do I understand correctly that Central United Life is not insurance, but reimburses the insured after expenses are incurred and filed by the insured?

    1. Hi Ms. Slonim,

      The Dental, Vision and Hearing plan offered by Central United Life does in fact cover periodontal preventive maintenance cleanings. While there is a waiting period for other items, there is no waiting period for the preventative cleanings. They are covered 2 times per year.

      Please let me know if you have any questions. If you would like to talk to an expert about your options, and more about the Dental, Vision & Hearing Insurance, please feel free to give us a call directly at (800) 310-2550. We look forward to speaking with you!

  25. How can I get what all is covered and the address to send claims. My eye dr. can’t seem
    to find what is covered so I have to pay up front and get reimbursed. are there forms and
    costs and benefits etc. thanks Pas

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