We’ve Got You Covered from Head to Toe

In addition to comprehensive hospital, medical and prescription drug coverage, Essence also includes many valuable extras not offered by Original Medicare or Medicare supplements for no additional premium—just another way of helping you stay healthy while protecting your savings.

Vision Coverage

The quality of your vision and your eye health are so important to your overall health and well-being. If you need correction for your vision, each Essence plan includes generous allowances for frames, lenses and contacts, but our vision coverage doesn’t end there.

Because an eye exam can tell your doctors so much about your overall health, we also include coverage for routine checkups and visits with vision specialists to make sure your eyes (and the rest of you) are healthy.

In addition to eyewear and routine checkups, we also cover vision services such as eye surgery, diabetic retinopathy screenings and screenings for people at high risk for glaucoma.

Dental Coverage

It’s easy to put on a smile. It’s not always easy—or affordable—to make sure your smile is healthy and pain free. At Essence, we want to make sure that anything that affects your health is covered and that also means your teeth. Issues with your teeth can really wear on you both physically and financially, so that’s why every Essence plan includes dental coverage for no additional premium.

Whether you simply need coverage for preventive dental services such as exams, X-rays and fluoride treatments, or you want more comprehensive coverage for things like fillings, extractions, root canals, dentures and more, we have a plan for you.

Hearing Coverage

Hearing loss is a lot more common than most people realize. According to the Hearing Health Foundation, nearly one out of every three adults between the ages of 65 and 74 has experienced some level of hearing loss, and that number grows to nearly half of all adults after the age of 75.

All of our senses are important, but being able to hear clearly is especially critical to overall health, happiness, personal safety and the safety of others. All of our plans cover important hearing exams and screenings, and because hearing aids can get expensive, some of our plans also include generous allowances to help with the cost.

Over-the-Counter Coverage

Think of all the money you’ve spent on things like pain relievers, vitamins, first aid products and other over-the-counter (OTC) supplies. Now imagine your health plan giving you an allowance to help purchase them in the future.

Each Essence plan includes a $93 quarterly allowance you can use to order a wide range of health-related products that you’d typically find at your corner drugstore. As an Essence member, you’ll receive a catalog filled with hundreds of items to choose from, and ordering is quick and easy. You can call, mail in your order or place your order online, and your OTC items will be delivered right to your door.

Diabetes Benefits

Many times, the cost of healthcare can be a major barrier to good health, particularly for Medicare beneficiaries who may be dealing with diabetes. Diabetes is one of the most common chronic conditions among adults, and the cost of testing supplies, insulin, treatment, and other necessities to effectively manage diabetes can quickly add up. To combat this problem, Essence Healthcare has added a unique new suite of benefits and cost savings designed to significantly reduce out-of-pocket costs and help better manage Diabetic patients’ conditions.

Our Diabetic benefits package includes:

  1. $0 copays for insulin (See our 2022 Drug Formulary for details)
  2. $0 copays for diabetic supplies
  3. $0 copays for diabetic eye exams
  4. $0 copays for diabetes self-management training
  5. Generous allowances for important Over-The-Counter items such as vitamins, rubbing alcohol, foot cream and more


Staying active can help you live your life to the fullest. That’s why we’ve partnered with SilverSneakers to give you free access to participating gyms, health clubs and a host of different classes for any fitness level.

Whether you want to work out at the gym, at home or outside, it’s all possible with SilverSneakers. If you want structure and guidance, in-person classes are available and include a range of options from classic strength-training workouts to yoga, swimming, dance and more.

And if the gym isn’t your thing, you can take advantage of live workouts and on-demand options at home, or join one of the SilverSneakers small group exercise classes outside of the gym in your community. Sometimes all it takes to get moving are the right options.

From national gyms to local community centers, there are over 15,000 fitness locations nationwide to choose from. And that’s good to know because you can use your SilverSneakers membership at any participating fitness center anywhere in the country—just another perk of being an Essence member.

Transportation and Travel Coverage

Seeing your doctor on a regular basis is important, and we never want your ability to get to your appointments to be an issue. That’s why we include free transportation services to doctors and authorized medical facilities as part of your plan membership. If you need to go to the pharmacy to pick up a prescription, our transportation service can help with that, too.

Using your transportation benefit is simple and easy. As an Essence member, you’ll be given a number to call to schedule your trip. Just provide where and when you want to go. And a driver will be there to take you to your destination. And if you have any special transportation needs, such as a wheelchair, they can help you with that, too.

Going out of town, visiting friends and family in another state, or maybe traveling abroad? Rest easy knowing that if you get sick or injured while away from your home, your emergency or urgent-care services are covered.

Ready to get the all-in-one coverage of an Essence Healthcare plan?

We make it easy for you to get the information you need, when and how you need it.

Request your FREE Information Kit

Download your FREE Medicare Advantage info kit or request a copy by mail.

Schedule a one-on-one consultation

Get all your questions answered in a one-on-one appointment with a licensed Medicare advisor.

Attend a Medicare Seminar

Learn more about Essence Healthcare plans at one of our FREE local or online Medicare seminars.

Talk with a licensed Medicare advisor

Call anytime to discuss your options with a local, licensed Essence Healthcare advisor.