Dental, Vision, Hearing & Life Insurance
Medicare is a strong foundation — but it doesn’t cover everything. We help retirees and pre-retirees understand insurance options that help manage healthcare costs and protect loved ones.
Many people are surprised to learn that Original Medicare typically does not cover routine dental, vision, hearing services, or long-term life insurance needs. Individual insurance plans can help fill these gaps as part of a well-rounded retirement strategy.
Dental Insurance
Dental coverage helps manage the cost of both routine and unexpected dental care.
Preventive care (cleanings, exams, X-rays)
Basic services (fillings, extractions)
Major services (crowns, dentures)
Plans with or without waiting periods
Dental Insurance FAQs
Does Medicare cover dental
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How Much Coverage Should I Get?
On average, Americans spend around $1,000 per year on dental care and $200–$400 on vision expenses without insurance. A plan covering preventive care and potential major treatments can help reduce out-of-pocket costs significantly.
Are there waiting periods?
Many individual dental plans include waiting periods for major services. We help identify plans that best fit your timeline.
Vision Insurance
Routine eye exams
Allowances for glasses or contact lenses
Discounts on frames and lens upgrades
Vision coverage is often affordable and helps maintain eye health as you age.
Hearing Insurance
Hearing exams and screenings
Access to hearing aid discounts or allowances
Nationwide hearing provider networks
Hearing coverage can significantly reduce out-of-pocket costs while improving daily quality of life.
Life Insurance in Retirement
Final expense and burial coverage
Permanent life insurance options
Spousal and legacy protection strategies
Why consider life insurance after retirement?
Life insurance may help cover final expenses, protect a spouse, or leave a financial legacy.
Is life insurance still affordable?
There are policies designed specifically for older adults, including simplified underwriting options.
Why Work With Safe Harbor Retirement?
Education-first, no-pressure guidance
Licensed insurance professionals
Integrated with retirement income planning
Ongoing support as needs change
Safe Harbor Retirement is committed to serving you at the highest level with all your income planning needs.
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Annuities are designed to be long-term insurance products. Early withdrawals may impact annuity cash values and death benefits. Taxes are payable upon withdrawal of funds. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. Income benefit riders may be offered either built-in or for an additional cost. Annuities are not guaranteed by FDIC or any other governmental agency, rather, all contractual guarantees are backed up by the claims paying ability of the individual Insurance Companies. Keep in mind that most life insurance policies require health underwriting and, in some cases, financial underwriting. Fixed Indexed Annuities are insurance products and not considered a security or investment. Some restrictions may apply. We are not endorsed by, or affiliated with, the Social Security Administration or any other government agency. Call for specific details and availability.