---
title: "Dental, Vision & Hearing Insurance: How to Cross-Sell to Every Medicare Client"
description: "Cross-selling DVH plans to Medicare clients — why they need it, how to present it, and the revenue impact."
url: https://unlockedcrm.ai/blog/dental-vision-hearing-cross-sell-strategies
canonical: https://unlockedcrm.ai/blog/dental-vision-hearing-cross-sell-strategies
category: "Medicare"
published: 2026-06-29
author: "Jacob Lock"
source: unLocked CRM — AI CRM for insurance agents
---

# Dental, Vision & Hearing Insurance: How to Cross-Sell to Every Medicare Client

## TL;DR

65% of Medicare beneficiaries lack dental coverage. DVH cross-sell adds $8,000–$24,000/year with 200 clients. Clients with 3+ policies are 70% less likely to leave. Bundled DVH: $40–$80/month.

## Key data points

- 65% of Medicare beneficiaries lack standalone dental coverage
- Hearing loss affects 33% of adults over 65 and 50% over 75
- Clients with 3+ policies are 70% less likely to leave their agent
- DVH cross-selling adds $8,000–$24,000 annually with 200 Medicare clients

65% of Medicare beneficiaries lack standalone dental coverage. Original Medicare covers almost no dental, vision, or hearing services.

## The DVH Coverage Gap
- **Dental:** No routine cleanings, fillings, crowns, dentures, implants
- **Vision:** No routine exams, glasses, contacts
- **Hearing:** No exams or hearing aids (avg cost: $2,000–$7,000/pair)
- Hearing loss affects 33% of adults over 65, 50% over 75

## Cross-Selling Approach

**For MA clients:** "Your MA includes some DVH, but check the limits — usually $1,000–$2,000 annual dental max. A standalone plan fills the gap for $30–$50/month."

**For Medigap clients:** "Your Medigap covers Medicare gaps, but adds zero dental, vision, or hearing."

## Product Options
- Standalone dental: DHMO ($15–$25/mo) or DPPO ($30–$60/mo)
- Standalone vision: $10–$20/mo
- Standalone hearing: $15–$30/mo
- Bundled DVH: $40–$80/mo

## Revenue Impact
- Commission: $100–$200/policy annually
- Attachment rate: 40–60%
- With 200 Medicare clients: $8,000–$24,000/year
- Clients with 3+ policies are 70% less likely to leave

## FAQ

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## Related

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

---

Source: [Dental, Vision & Hearing Insurance: How to Cross-Sell to Every Medicare Client](https://unlockedcrm.ai/blog/dental-vision-hearing-cross-sell-strategies) — 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-strategies.