As we age, maintaining good oral and visual health becomes increasingly important. However, relying solely on Original Medicare could end up costing you; Medicare’s coverage for dental and vision services is limited. If you’re worried about affording care, here are a few things to consider.
Understanding Medicare coverage
Medicare, the federal health insurance program for individuals aged 65 and older and some people under 65 with certain disabilities or conditions, does not typically cover routine dental and vision care. Original Medicare, also known as Medicare Part A and Part B, primarily focuses on hospital and medical services, meaning Medicare dental and vision coverage only applies when the services are medically necessary. Any follow-up and preventive care isn’t usually covered.
Services not covered by Medicare can add up, putting a dent in your retirement income planning, but skipping them can also affect your overall well-being.
Explore complementary options
You may think that if your dental and vision needs are basic today, you don’t need to worry about coverage in the future. But our health changes as we age, and it’s important to be prepared for your future needs by choosing a plan that fits your budget and your situation.
Understanding Medicare Advantage plans
A Medicare Advantage Plan, like an HMO or PPO, is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare.
If you join a Medicare Advantage Plan, the plan will provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D). 1
1. https://www.hhs.gov/answers/medicare-and-medicaid/what-is-medicare-part-c/index.html
Standalone dental insurance
Standalone dental insurance plans provide coverage for preventive dental care, basic services—such as fillings and root canals—and major services, like crowns and dentures. There are various plan types that affect things like what dentists you can see, premium amounts, waiting periods, deductibles, and out-of-pocket costs. Because of these differences, it’s important to pay attention to the terms and conditions before enrolling in a dental plan.
Standalone vision insurance
Covering routine eye exams, eyeglasses, and contact lenses is the goal for standalone vision insurance. In certain plans there may be discounts for procedures like corrective eye surgeries. Like dental insurance, there are different plan types so it's important to review the plan details, including coverage limits and network providers.
The importance of preventive care
Prioritizing preventive care matters. Taking care of your health now can help lead to optimal oral and visual health as you age. Regular dental check-ups and cleanings can help prevent cavities, gum disease, and other oral health issues. Similarly, routine eye exams can detect early signs of degenerative eye conditions and diseases.
Utilizing your benefits
Once you do obtain dental or vision coverage, make the most of your benefits by scheduling regular dental and vision appointments. Being proactive with these preventative services can help catch any potential issues early and avoid more extensive and costly treatments down the road.
Seek assistance if needed
If you're unsure about which dental and vision insurance options are best for you, don't hesitate to seek assistance from a licensed insurance agent. They can provide personalized guidance based on your individual needs and preferences.
Securing adequate dental and vision insurance coverage is essential for maintaining overall health and well-being as you age. By understanding your options, reviewing plan details carefully, and prioritizing preventive care, you can ensure that your oral and visual health needs are met.