Best Dental And Vision Plans - Original Medicare (Parts A and B) helps pay for "medically necessary" care. It means taking care to diagnose or treat a disease or condition.
Medicare considers dental care not medically necessary. Original Medicare generally does not cover dental exams, procedures, or supplies. But Part A can help with certain dental services while you're in the hospital.
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Vision care is not 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 certain things about vision, including preventive or diagnostic eye exams, including glaucoma tests, annual eye exams for diabetic retinopathy and eye exams for macular degeneration, cataract surgery, and prescription lenses or glasses in certain situations.
But fear not, if you have Medicare and want help with dental and vision care costs, you have options. Learn how to get dental, vision, and hearing care when you choose Medicare in the video below.
One by one, a graphic of a toothbrush with toothpaste spread over the bristles, human ears, and an eye test poster appear side by side.
Two icons appear. One of the hospital beds is marked "Medicare Part A". The second icon is a stethoscope and is labeled "Medicare Part B."
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The toothbrush, eye exam, and human ear icons appear. All three are marked with a red X at the top.
Icons pop up on a blue background: a pill bottle, a mobile phone with a stethoscope on the screen, a car, a medal, exercise equipment and a house with a plus sign on the side.
NARRATOR: Many Medicare Advantage plans may also offer prescription drugs, telehealth, transportation benefits, healthy member rewards, fitness memberships, and more.
The text appears above the stethoscope, pill bottle, heart, plus and H icons.
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NARRATOR: Be aware that covered benefits and costs will vary by plan and provider, so review your options carefully.
Medicare Advantage (Part C) plans may include dental and vision health care in addition to the same coverage as Original Medicare. Most also include prescription drug coverage, as well as other benefits such as hearing health coverage and gym memberships.
Medicare Advantage plans are offered by private insurance companies. Available plans depend on where you live. Which specific dental and vision products are covered and how much they cost will vary by plan.
Use this simple tool to 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 offered in your area.
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You can select plans from the list to learn and compare. Estimated annual costs and plan ratings for each plan can help you find a plan that can help meet 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 checkups are important for overall health. It's important to research your options and find a plan that provides the services you want and need.
Medicare Made Clear, brought to you by UnitedHealthcare, offers Medicare education so you can make informed decisions about your health and your Medicare coverage. We may include products or services in this article that we believe are useful to our readers. If you make a purchase using the links on this page, we may earn a small commission to help fund our mission to create healthier smiles. Here is our process.
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It's common these days to not have dental insurance or a plan you're unhappy with. Fortunately, discount dental plans are changing the way people can afford quality dental care. The best dental savings plans include discounts on basic prevention, restorative procedures, smile makeovers, and more. You can use the Tooth Savings Plan for everything from cleanings to wisdom tooth extractions and everything in between.
Discount dental plans are an alternative to traditional dental insurance plans when it comes to reducing costs associated with oral health care. You can use the discount card at any participating dental office, no matter where you live. These plans work differently than traditional insurance policies and make it a little easier to find out how much treatment costs without unexpected bills showing up in the mail a month or two later. It's not quite a coupon or grocery discount card, but the rebate process is similar.
So what is the best discount dental plan? If you're considering joining a dental savings plan, here are six of the best discount dental plans. You'll find that some of them are affiliated with popular dental insurance companies, which is great because a trusted name means you're almost guaranteed great customer service.
1Dental has combined two of the most popular dental discount plans to maximize savings on both general and specialty dentistry. When you link Carrington 500 to Aetna Dental Access, you automatically save on optical and prescription drugs, in addition to routine dental care.
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Memberships start at $134.95 per year (individuals) and $189.95 per year (families), plus the Carrington 500 membership fee. Your regular check-up is usually 50% off and other services are 30-85% off. You can also get lower prices for procedures that are not usually covered by your standard insurance policy, such as teeth whitening and porcelain veneers.
The Aetna Dental Access plan is $134.95 per year (individual) or $189.95 per year (for families) and includes everything listed in the Aetna Dental Access plan above, minus the additional prescription drug and optical coverage. More than 140,000 dental practices accept this savings plan. You can start using it within 1-3 days of signing up and it even includes pre-existing conditions. It also has a pricing tool that allows you to compare the costs of different dental offices.
This savings plan averages around $164.95 per year (individuals) and $199.95 per year (families), but it varies depending on where you live geographically. In some cases, preventive dental care can be paid up to 70 percent, and specialized services - only 20 percent.
Memberships start at $164.95 per year for individuals and $189.95 per year for families, or $13.75 per month. Savings of 26-86% can be made on virtually any dental service, with most covered at 15-50%. There is even an option to add prescription and optical coverage. More than 250,000 dental offices nationwide accept this savings plan. Additionally, there is a "cost of care" tool that allows you to compare prices between dentists in your area.
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The iDental Discount Plan is another dental savings plan rather than dental insurance. This allows you to save on many popular dental services like regular checkups, x-rays, cleanings, root canals, and more. Sign up for $134.95 per year (individual) or $189.95 per year (for families).
CignaPlus savings plans are for anyone who doesn't have dental insurance or doesn't want dental insurance. Cigna's dental plan offers a deep discount on almost all common dental procedures, so you can save on everything from dental exams to smile makeovers (and remember, dental insurance doesn't cover cosmetic procedures!)
Dental discount plans are special memberships that you pay to join and include automatically set discounts on your dental work. But instead of a private membership club that only works at one dental office and nowhere else, your Dental Savings Plan can be used at any participating dental provider nationwide. The best dental savings plans are usually available through major providers with company names you've heard of.
When you're on a discount dental plan, your dentist automatically applies the included fee discount to the services you need. This step eliminates filing dental insurance claims, waiting for pre-approvals, or guessing (guessing) what your share will be. This is a simple black and white one size fits all discount for your meeting.
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Dentists and patients benefit from discount dental plans because they eliminate extra steps like processing insurance claims and waiting for reimbursement checks. Not to mention the disappointment when it turns out that the procedure is denied or not covered at all.
You usually pay an annual membership to join many of the best dental savings plans, or you can opt for a small monthly fee. Generally, the cost of joining is lower than a traditional dental insurance plan. In other words, instead of buying an individual, traditional dental insurance policy, it's cheaper to sign up for one of the best discount dental plans.
Is it financially wiser to buy traditional dental insurance plans or choose an alternative dental savings plan? Let's compare and contrast discount dental plans and traditional dental insurance based on a few common scenarios:
The cost of dentures without insurance is around $600-$1,000, depending on the type you choose and where your dentist is located. With insurance, this brings the fee down to $300-$800. Unfortunately, most of your insurance coverage covers things like cleanings and fluoride that you don't need if you wear dentures. Once you pay the monthly premium and deductible, you can pay nearly twice as much for your dentures as you would if you just paid cash.
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Some of the best dental savings plans cover as much as 55 percent.
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