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No, my wife does not have the Cadillac plan, trust me, and I won't join ARRP for reasons best not to air on this site, her plan does NOT have a hearing or a dental, or even a vision plan, and there is a deductible ,I believe it's $150 per year, my wife wanted the least pricy plan because of her low social security check, less than $700.00 a per month and that's before taxes and she is quite healthy, she has not been sick in decade's, her last hospital stay was for the birth of our youngest child, who will turn 40 this January. Thank God , I have a decent pension and a better than average social security plus some savings. Now if memory serves me right did not President Obama remove from Social Security hundreds of millions of dollars to initiate the funding for the Affordable Care Act, so I believe the higher cost's are being reflected in social security to compensate for those lost dollars, so Obama Care had and still does have an effect on social security .