Coverage
Medicare, without the guesswork.
A full line of senior products, reviewed with you in your own home —
and never a fee for our service.
- Never a fee for our service
- Local & national carriers
- In-home consultation
- Same advisor, year after year
Get in touch
A licensed advisor answers — not a
call center.
Dental, vision, and hearing coverage for Pittsburgh-area individuals and families.
Most health plans — Original Medicare included — leave dental, vision, and hearing out. HBS offers standalone and bundled coverage from several great providers, so you can fill the gap without changing anything else about your health insurance.
Need help finding the right dental plan?
- Whether you want basic dental or a bundle with vision and hearing, we can help.
- We offer dental from Careington, Delta Dental, Nationwide, Renaissance, and Assurant Dental.
- Quote and enroll online in minutes, or call and an advisor will do it with you.
Because we’re independent, we compare plans across every carrier we represent — not the single company a captive agent is contracted to sell.
Where are you starting from?
On Medicare
Original Medicare doesn’t cover routine dental, and your Advantage plan’s dental benefit may not stretch far. You want real coverage for real dental work.
No employer plan
You’re self-employed, between jobs, or your employer doesn’t offer dental — and you’d rather not pay full price at the dentist.
Covering the family
Kids’ cleanings, someone’s crown, a parent’s hearing aids. You want one policy that handles it.
Your plan options, simplified
Dental coverage comes standalone or bundled with vision and hearing. Here’s what we offer and where to enroll.
Standalone dental — from private carriers
Dental plans
Preventive cleanings and exams, basic fillings and extractions, and major work like crowns and root canals, with coverage levels that vary by plan. From Careington, Delta Dental, Nationwide, and Renaissance.
Assurant Dental
Individual and family dental plans with their own quote-and-enroll portal.
Bundled dental, vision & hearing
Dental, vision & hearing plans
One policy that adds eye exams, glasses and contacts, and hearing exams and aids to your dental coverage. Popular with Medicare clients whose plans leave all three out.
Which plan fits depends on the dentist you see, the work you expect to need, and whether you want vision and hearing folded in. That’s the conversation, not a form — though if you’d rather skip the conversation, the online quote takes about five minutes.
How it works
Tell us about you
Your dentist, any work you know is coming, and whether you want vision and hearing included.
We compare carriers
Your advisor shops the dental carriers we represent — or you run the online quote yourself in minutes.
Review your options
We walk through waiting periods, annual maximums, and networks in plain English — in your home, at our office, or by phone.
Enroll with support
Enroll online or with your advisor, and stay on call for claims and renewals.
What to have ready
None of this is required to call us — but having it handy makes the first conversation much shorter.
-
Your dentist
Their name and office, so we can check networks before you enroll. -
Your family
Who needs coverage and their dates of birth. -
Any planned work
Crowns, implants, braces. Waiting periods and annual maximums matter more when you know work is coming.
-
Your current health plan
Especially if you're on Medicare, so we can see what dental (if any) it already includes. -
Your eye and hearing needs
Glasses, contacts, hearing aids. This decides whether a bundle is worth it. -
Your questions
Write them down. People forget them on the call every time.
Who you'd be working with
Dental, vision, and hearing plans are handled by the same advisors who set up your health or Medicare coverage. A few of them:
Christine Olsen
Broker
Kayla Sadler-Busbey
Broker
Jordan Fate
Broker
Chris Farrell
Broker
HBS helped me find the right dental coverage at a price that worked for me. They explained everything clearly and made the process easy, without any sales pressure.
Linda M. — Dental client
Common questions
Nothing. There is never a fee for our service — carriers compensate us directly, so your premium is the same whether you enroll through us or online.
Careington, Delta Dental, Nationwide, Renaissance, and Assurant Dental for standalone dental — plus bundled dental, vision, and hearing plans.
Usually. Some plans use a network and some let you see any dentist, with better pricing in-network. Tell us who you see and we’ll check before you enroll.
Some plans have one for major work like crowns or root canals; preventive care is typically covered right away. We’ll show you exactly what each plan waits on, so there are no surprises.
Yes. A standalone dental or dental-vision-hearing plan sits alongside Original Medicare, a Medigap policy, or an Advantage plan. If your Advantage plan already includes some dental, we’ll compare that benefit to a standalone policy so you’re not paying twice.
Get Insurance Quotes
Tell us a bit about what you need — a licensed advisor follows up with real options, not a form letter.
How can HBS help you?
One agency, every policy that matters
Jump to whichever fits your situation — or call and we’ll work it out with
you.
Individual Health
Affordable Care Act and off-
marketplace plans.
Home & Auto
Erie, Progressive, Safeco and
many more.
Group Products
Group rates for companies from 2–
100 employees.
Dental
Dental, vision, and hearing through
Nationwide, Delta Dental, and
more.
Talk to a human
Have a question? We're here to help.
Reach out directly — a licensed advisor answers, not
a call center.
