Dental, vision, and hearing coverage can be found in supplemental and Medicare Advantage insurance plans. Taking care of our whole-body health is an investment in our quality of life. For assistance in finding dental, vision, and hearing coverage, contact the experts at Carolina Senior Benefits. Our team is ready to help you secure the benefits you deserve.
Gaps in Medicare
It’s well-known that Medicare does not cover all essential health care services we need. Among those gaps in Medicare is coverage for routine dental, vision, and hearing care. You need to purchase additional coverage through a Medicare Advantage package or a supplemental insurance plan to receive coverage for these services and equipment.
Dental insurance is a must-have for anyone with teeth. Oral health can affect many other body areas, and mouth inflammation can strain your heart and vital organs. Prevention is critical when it comes to gum health and protecting enamel. That’s why you need dental insurance: to afford regular dental cleanings and maintenance.
You can find dental insurance for individuals and families. These plans cover routine dental procedures such as regular cleanings, cavity fillings, implants, dentures, root canals, crowns, and more, along with coverage for orthodontics and periodontics.
Some insurance companies offer combination coverage for dental and vision insurance.
As we get older, most of us will come to rely upon prescription lenses to navigate everyday life. Access to vision care from your optometrist or ophthalmologist is more difficult when you have to pay the total price for your frames and appointments. Vision insurance can give you the certainty that you can afford to get your annual eye visit and update your lenses when needed.
You can find vision insurance to cover your routine eye exams, diagnostic tests, lenses, frames, contacts, and more.
A combination plan will give you the benefits of dental and vision coverage through one provider, though the plans will have separate deductibles.
Even though many seniors experience difficulty with hearing, Medicare does not cover routine hearing care, items, or services unless your doctor orders a diagnostic test. Hearing aids are expensive, and replacing them is a quality of life issue when you have to pay the total price.
Hearing insurance will cover hearing exams, fittings, and hearing aids. These plans are usually purchased separately or as an added benefit to a Medicare Advantage plan.
Where do you go when the health insurance plans available do not have the coverage you need? Supplemental plans. These bring you a specialized range that is often more comprehensive than combination benefit plans. This is because supplemental plans can negotiate for coverage at lower rates.
Medicare Advantage plans, which bring you Medicare Part A and Part B through private health insurance companies, can offer additional benefits to their members. Dental, vision, and hearing coverage are common add-ons because plan members need those benefits.