How to Get Dental and Vision Care Coverage When You Have MedicarePosted by Medicare Made Clear
Original Medicare (Parts A and B) helps pay for “medically necessary” care. This means care that’s required to diagnose or treat an illness or condition.
Dental and vision care are not seen as medically necessary. Original Medicare doesn’t cover dental exams, eye exams, eyeglasses or other related services.
You have options if you have Medicare and want some help with the cost of dental and vision care.
Many Medicare Advantage Plans Cover Dental and Vision Care
Medicare Advantage (Part C) plans offer the same coverage as Original Medicare (Parts A and B) plus more. Many plans include coverage for dental and vision care. Most also include prescription drug coverage.
Medicare Advantage plans are offered by private insurance companies. The plans available to you depend on where you live. Plan coverage and costs may vary from plan to plan, so it could pay to shop around. Some plans may charge a premium in addition to the Part B premium you pay to Medicare.
Medicare Supplement Insurance Plans May Offer Programs to Help Members with Dental and Vision Care Costs
Medicare supplement insurance (Medigap) helps pay some costs that Original Medicare doesn’t cover. These costs may include deductibles, co-pays and coinsurance for doctor visits, hospitalization or other medical services. Plans are offered by private insurance companies.
Some companies offer their Medicare supplement insurance plan members special coverage options for dental and vision care. Some may also offer insured members a discount program to help save money on dental and vision care. These offerings are not included in Medicare supplement insurance plan benefits. Rather, they are additional options that may be offered to insured members by some insurance companies.
The Medicare supplement insurance plans available to you depend on where you live. Plans are standardized by the federal government in terms of coverage, but costs may vary. Also, plans are standardized differently in Minnesota, Wisconsin and Massachusetts.
You can get plan details from the insurance companies offering plans your area or by searching with your zip code on the Medigap Policy Search. You may also contact your State Health Insurance Assistance Program for help. Go to www.shiptacenter.org to find the number to call in your state.
Find Plans in Your Area
The online Plan Finder tool at Medicare.gov can help you search for Medicare Advantage and Medicare supplement insurance plans. Just answer a few questions about your location and health status. The tool will generate a list of plans offered where you live.
You may choose plans from the list to learn about and compare. Estimated annual costs and plan ratings for each plan may help you find a plan that may help you meet your needs.
The insurance companies offering plans in your area may be able to 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 to find a plan that provides the services you want and need.
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.