A Medicare Advantage Plan May Be Your Ticket to Dental and Vision CarePosted by Medicare Made Clear
Going without routine dental and vision care is more common than you may think.
- In 2012, the National Association of Dental Plans said the number of Americans without dental insurance was three times the number of those without health insurance.
- The U.S. Department of Health and Human Services estimates that 38 percent of seniors ages 65 and older have not visited a dentist in the past year.
- Prevent Blindness America says nearly half of all cases of blindness may be preventable through early interventions like routine vision screenings and dilated eye exams.
Does Original Medicare cover routine dental and vision care?
No. Original Medicare does not cover routine dental and vision care, such as dental exams, eye exams or eyeglasses. However, some costs may be covered if you have an eye injury or a certain medical condition, such as diabetes or cataracts.
You may have dental and vision care coverage options.
Many Medicare Advantage plans offer dental and vision care coverage. In addition, you get all the coverage that you would with Original Medicare Parts A and B. Some plans even include extra benefits, such as drug coverage, hearing care coverage and gym memberships.
Compare your plan choices before you buy.
Each Medicare Advantage plan sets its own costs and any additional coverage benefits. Therefore, it’s important that you compare plans carefully before making your selection. When considering dental and vision care coverage:
- Understand the benefits of any plan you are considering, including the services it covers, deductibles, exclusions and coverage limitations, and the annual maximum coverage.
- Examine the plan’s network of dental, vision or hearing care providers. A large network may mean you can keep your current health care provider, plus use your coverage if you have an emergency while away from home. Using network providers usually means you have lower out-of-pocket expenses.
The online Plan Finder tool at Medicare.gov is one way to search for a Medicare Advantage plan. Just enter your zip code and the plan finder will give you a list of plans available in your area. Each plan will provide a summary of coverage and the costs associated with the plan. Select the plans that interest you and get a side-by-side comparison.
You can enroll in a Medicare Advantage plan when you first sign up for Medicare and each year after during the Medicare Open Enrollment period.
For more information, explore MedicareMadeClear.com or contact the Medicare helpline 24 hours a day, seven days a week at 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.