Dental Vision Hearing Plans For Seniors - Original Medicare (Parts A and B) helps pay for "medically necessary" care. It means the care needed to diagnose or treat a disease or condition.
Dental care is not considered medically necessary by Medicare. Original Medicare generally does not cover dental exams, procedures or supplies. However, Part A may cover certain dental services while in the hospital.
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Vision care is not considered medically necessary, so Original Medicare does not cover eye exams, glasses, or other related vision services.
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However, Medicare Part B may cover some things for vision, including glaucoma exams, annual eye exams to check for diabetic retinopathy and preventive or diagnostic eye exams, eye exams for macular degeneration, cataract surgery, and prescription lenses or glasses in certain cases. . ..
But fear not, you have options if you have Medicare and want some help with dental and vision care costs. Learn how to take care of dental, vision and hearing when choosing Medicare in the video below.
A series of toothbrush graphics spread across toothpaste bristles, alongside posters of human ear and eye tests.
Two icons appear. A hospital bed labeled "Medicare Part A." The second icon is a stethoscope and is labeled "Medicare Part B."
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Toothbrush, eye exam and human ear icons appear. All three have a red X on them.
Against a blue background, icons appear of a pill bottle, a mobile phone with a stethoscope on its screen, a car, a medal, exercise equipment and a room with a cross on the side.
Description: Many Medicare Advantage plans can offer prescription drug coverage, telehealth, transportation benefits, healthy member rewards, fitness memberships, and more.
The text appears above the stethoscope, pill bottle, heart, plus sign, and H icon.
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Narrator: Keep in mind that benefits and covered costs will vary by plan and provider, so review your options carefully.
Medicare Advantage (Part C) plans can offer the same coverage as original Medicare, as well as coverage for dental and vision health items. Most include prescription drug coverage as well as other benefits such as hearing health insurance and gym memberships.
Medicare Advantage plans are offered by private insurance companies. The plans you can use depend on where you live. No specific dental and vision items are covered and their costs will vary from plan to plan.
Using this handy tool you can search and compare available Medicare plans with dental and vision coverage in your area. Just enter your zip code and the tool will generate a list of plans available where you live.
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You can select plans from the list to learn about and compare. Estimated annual costs and plan ratings for each plan can help you find a plan that meets your needs.
Insurance companies that offer plans in your area can provide more information and answer your questions. Just contact them directly.
Regular dental and vision exams are important for maintaining overall health. It's important to research your options and find a plan that offers the services you want and need
Medicare Med Clear, brought to you by UnitedHealthcare, provides Medicare education so you can make informed decisions about your health and Medicare coverage. It is always important to take care of your overall health. This includes everything from your teeth and eyes to your aches and pains!
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Unfortunately, Original Medicare does not include comprehensive dental, vision, and hearing coverage for seniors and Medicare beneficiaries. If you are looking for dental, vision and hearing insurance, you should consider a Medicare Advantage plan.
Original Medicare only includes Part A (hospital coverage) and Part B (doctor coverage), but Medicare Advantage plans, also called Part C, often include dental benefits, vision benefits, hearing benefits, prescription drug coverage, and more!
Original Medicare is not all-inclusive. Medicare Advantage plans can add the following hearing coverage for seniors' benefits:
Hearing aids can cost anywhere from $400 to $4000 per ear. Even if the initial device isn't very expensive, you may have to pay for hearing aid fittings, hearing aid inspections, and hearing aid replacements every five years.
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When you put it all together, you could be paying thousands of dollars over your lifetime for ear care. Fortunately, Medicare Advantage plans are a solution that can help you financially.
Details matter when choosing hearing aid brands! Consider your budget, ear size, and how you will use the hearing aid. Will you wear it all day? Can you splurge a little on your hearing aids?
Some of the top rated hearing aid brands are Phonal, Unitron, Signia, Sonic and Widex - but beware! Not all Medicare Advantage plans cover all hearing aid brands. Be sure to check the provider network carefully before choosing a plan to make sure your favorite hearing aid brands are included. Some insurance companies may also offer advice.
There are many types of hearing aids, just as there are many brands of hearing aids. Some of the most common types of hearing aids include:
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If denture or dental implant coverage is important to you, you should consider a Medicare Advantage plan as dental insurance for seniors.
Medicare Advantage (MA) plans offer Part A (hospital insurance) and Part B (medical coverage) and additional coverage like prescription drugs, vision, hearing and dental health!
Most Medicare Advantage dental plans cover dentures and more – cleanings, X-rays, annual exams, fillings, extractions and root canals.
Seniors and those eligible for Medicare may not be able to find the oral health coverage they need with Medicare Advantage or Medicare Supplement plans. For example, a Medicare Advantage plan may cover routine dental services (such as preventive care) but not major services such as dental implants.
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Medicare Supplements (Medigap) are individual plans that cover financial items such as basic Medicare payments and coinsurance. With a Medicare supplement plan, you pay a monthly premium and don't pay a separate supplement or copay when you visit the doctor*.
You cannot have both a Medicare Advantage and a Medicare Supplement plan at the same time. It's important to know how each type of plan will save you money. Contact your representative to discuss the differences between each type of plan and ask how you can save money with each. Also talk to your representative about your dental care needs. Your agent can find a plan in your area that meets your medical needs and your budget.
If you need additional coverage, you can find individual dental insurance plans that cover items such as dental implants, cosmetic dentistry or orthodontics. Private dental plans, such as Medicare Advantage plans, may be available as dental PPOs, HMOs, or other types of plans.
Plan benefits may vary from plan to plan. Some Medicare supplements cover payment for doctor's appointments. Medicare supplements only help cover Medicare-approved fees.
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Instead of dental insurance plans, you can find dental concession plans in your area. With a dental discount plan, you pay an annual fee (instead of a monthly premium) upfront. You will not have co-pays, but you will have a discount on dental services (if you see a dentist). You will pay the dentist directly. Talk to your agent about discount plan options.
Each Medicare Advantage plan will have its own provider network. This means that not all Medicare providers will accept the plan you choose.
When shopping for a Medicare Advantage plan, you should always check the provider network and make sure your preferred doctor or other vision provider accepts the plan you choose.
There are different Medicare Advantage plans. If you are looking for dental, vision or hearing insurance for seniors, a Medicare Advantage PPO plan is a good option. PPOs are one of the most popular Medicare Advantage plans.
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Medicare Advantage PPOs are ideal because you can go to other doctors and pharmacies, although there are networks of doctors and pharmacies. You may not have much coverage with out-of-network doctors and pharmacies, but at least you have this option.
You don't have to choose a primary care doctor and usually don't need a consultation, so if you need to see an eye specialist, you can technically go to any provider.
Medicare Advantage plans are convenient because all the coverage you need can be rolled into one plan with one monthly premium. Some MA plans even offer lower deductibles for higher premiums!
Interested in getting dental, vision and hearing insurance for seniors? A Medicare Advantage plan may be the perfect solution!
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With the Medicare Plan Finder our agents can answer any questions you may have and help you find the best plan for your needs and budget. If you are interested in scheduling a free, no-obligation appointment, fill out this form or call us at 844-431-1832.
*This post was originally published by Anastasia Ilyu on March 16, 2017. Last updated on November 26, 2019 by Troy Frink.Medicare, Medicare Supplement Insurance, Medigap.
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