---
title: "Dental, Vision, and Hearing Cross-Sell: Adding $100+ Per Medicare Client"
description: "DVH plans are the easiest Medicare cross-sell. $15–$75/month premiums, 45%+ close rates, and 5 minutes to present."
url: https://unlockedcrm.ai/blog/dental-vision-hearing-cross-sell-medicare
canonical: https://unlockedcrm.ai/blog/dental-vision-hearing-cross-sell-medicare
category: "Medicare"
published: 2026-10-31
author: "Jacob Lock"
source: unLocked CRM — AI CRM for insurance agents
---

# Dental, Vision, and Hearing Cross-Sell: Adding $100+ Per Medicare Client

## TL;DR

DVH plans: 45–55% close rate, $15–$75/month premium, $16,200 additional income from 300 Medicare clients. 68% of beneficiaries want standalone dental. Present after primary Medicare enrollment in 5 minutes.

## Key data points

- 68% of Medicare beneficiaries want standalone dental coverage
- DVH plans have 45–55% close rate when presented during Medicare appointments
- Hearing aids average $4,600 per pair without coverage
- DVH cross-sell adds $16,200 annual income from 300 Medicare clients

# Dental, Vision, and Hearing Cross-Sell for Medicare

Dental, vision, and hearing (DVH) plans are the lowest-friction cross-sell in Medicare. Most Medicare beneficiaries need dental and vision coverage, Original Medicare doesn't cover it, and standalone plans are affordable enough that objections are minimal.

## The DVH Opportunity

- **68%** of Medicare beneficiaries want standalone dental coverage
- **Original Medicare** provides no routine dental, vision, or hearing benefits
- **MA plans** include limited DVH but often with restrictions and caps
- **Average premium**: $15–$75/month ($180–$900/year)
- **Agent commission**: 15–25% first year
- **Close rate when presented**: 45–55%

## Revenue Impact

| Scenario | Calculation | Result |
|----------|------------|--------|
| 300 Medicare clients | × 45% close rate | 135 DVH policies |
| 135 policies | × $50 avg monthly premium | $81,000 annual premium |
| $81,000 premium | × 20% commission | $16,200 additional income |

## Presentation Approach

Present DVH AFTER primary Medicare enrollment is complete. Frame as: "Now that your medical coverage is set, let's make sure your teeth, eyes, and ears are covered too."

**Dental**: "Original Medicare doesn't cover cleanings, fillings, or dentures. A dental plan covers 2 cleanings per year plus 50–80% of major work for $25–$45/month."

**Vision**: "You'll want an annual eye exam plus help with glasses or contacts. Vision plans run $8–$15/month."

**Hearing**: "Hearing aids average $4,600 per pair without coverage. A hearing plan reduces that to $500–$1,500 out of pocket for $10–$20/month."

## Top DVH Carriers

Ameritas, Delta Dental, Guardian, Renaissance, and TruHearing are among the most popular standalone DVH carriers for Medicare beneficiaries.

unLocked CRM includes DVH quoting in its multi-product comparison, letting agents present dental, vision, and hearing options alongside Medicare plans in a single appointment.

## FAQ

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## Related

- https://unlockedcrm.ai/blog/hospital-indemnity-insurance-cross-sell
- https://unlockedcrm.ai/blog/medicare-supplement-vs-medicare-advantage-selling

---

Source: [Dental, Vision, and Hearing Cross-Sell: Adding $100+ Per Medicare Client](https://unlockedcrm.ai/blog/dental-vision-hearing-cross-sell-medicare) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/dental-vision-hearing-cross-sell-medicare.