Dental care impacts our overall wellbeing and cleanings every six months allow for proper upkeep and prevention of gum disease. Many aging adults need yearly visits to assess their eyesight as degenerative conditions may come on quickly, and early diagnosis aids treatment. Hearing also gets weaker as we age, and hearing aids can be pricey in the range of $1500 per earpiece. Without coverage, you will be responsible for the full amount. Insurance will cover at least a portion of these expenses, which will ease the impact on your fixed income.

Most dental, vision, and hearing plans are better yet in that they do not have networks. Basic exams are covered immediately, and you can choose your own providers. These plans are often guaranteed renewable until age 85, meaning you keep the same coverage year after year as long as you pay your premiums.