Unlock Recurring Revenue with the ASBA 360 Dental, Vision & Hearing Packages

February 16th, 2026

2 min read

If you’re working with clients age 50+, you already know the gap.

Medicare doesn’t cover routine dental. Vision is limited. Hearing coverage is minimal. And clients feel it. The ASBA 360 Benefit Packages give you a simple, structured way to fill that gap while strengthening your client relationships.

Let’s break it down.

What Is ASBA?

The American Senior Benefits Association (ASBA) is a national 501(c)(3) charitable organization serving Americans age 50+ with over 700,000 members. Membership is free, and ASBA offers access to over 100 member programs across dental, vision, life, health, long-term care and more.

That “free membership” component is important. It removes friction and gives you a natural enrollment conversation.

The ASBA 360 Packages: What Clients Get

Members can enroll in one of two bundled benefit packages:

360 Essential
360 Choice

Both include Dental, Vision and Hearing benefits.

View Brochure

Dental Highlights

The dental plans include:

Preventive coverage (cleanings, exams, x-rays)
Basic services (fillings, denture repair)
Major services (crowns, root canals, implants, oral surgery)
Increasing coinsurance over time
Annual maximums up to $1,500 (Essential) or $5,000 (Choice)
Dental Rewards carryover feature for unused benefits

Clients can see any licensed dentist, with maximum savings using in-network PPO providers.

That flexibility matters.

Vision Benefits

Vision benefits include:

Annual eye exams
Frame and lens allowances
Coverage for progressives
Contact lens options
Access to VSP providers

This is an easy add-on for seniors who are already updating prescriptions regularly.

Hearing Discounts

Through Start Hearing, members receive:

Consultations
Discounts up to 48% on hearing technology

Hearing needs are growing rapidly in the 65+ market. This positions you as proactive.

Why This Product Works for Agents

1. Natural Medicare Companion Sale

Every Medicare Advantage or Supplement conversation opens the door:

“Medicare doesn’t cover routine dental. Would you like to look at a bundled dental, vision and hearing option?”

It’s not a hard pivot. It’s a logical extension.

2. Low Friction Enrollment

Because ASBA membership is free, you’re not asking clients to join a paid association first. That reduces objections.

3. Recurring Revenue Without New Lead Cost

You don’t need new leads to grow income.

Your existing book:

Med Supp clients
Medicare Advantage clients without strong dental
ACA clients turning 65
Life clients without ancillary coverage

This is internal monetization.

4. Retention and Stickiness

Ancillary coverage increases retention.

Clients with multiple policies:

Call you first
Refer more often
Are less likely to shop

The Dental Rewards carryover feature also encourages ongoing engagement.

Important Availability Considerations

These plans are not available in every state. Availability varies by region, and certain states are excluded.

As always:

Confirm state availability
Review underwriting guidelines
Understand limitations and exclusions (cosmetic procedures, orthodontics, certain prosthetics, etc.)

Ideal Client Profiles

This product performs well with:

Medicare Supplement clients who want strong standalone dental
MA clients in counties with limited dental benefits
Clients planning implants or major dental work
Retirees without employer dental
Spouse/Family scenarios where bundling makes sense

The Bigger Strategy

Top-producing agents don’t just sell core plans.

They build complete protection portfolios.

The ASBA 360 Essential and Choice packages give you:

A structured ancillary offer
An easy Medicare companion sale
A retention play
Recurring commission from your existing book

If you’re focused on maximizing client lifetime value without increasing compliance risk or buying more leads, this is a clean addition to your strategy.