Dental, Vision and Hearing Insurance
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Why do I need these plans?
Insurance may seem like just an another unwanted expense however once you learn why these types of insurance plans are important you will realize they are definitely worth it. Dental, vision and hearing health is linked to your overall well-being. This type of insurance coverage will give you peace of mind and help you save money in the long run. And, believe or not, these insurance plans don’t have to be expensive either!
Jersey Senior Advisors can show you a number of coverage options you can tailor to your priorities and budget.
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DENTAL COVERAGE
Medicare has very limited dental coverage that is only meant to protect your general health in order for another Medicare-covered health service to go smoothly.
It does not cover routine checkups, cleanings, fillings, dentures (full or partial), or most tooth extractions. Medicare Supplements also will not cover these additional benefits.
On the other hand, certain Medicare Advantage plans will sometimes include additional dental benefits as part of their network based plan.
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VISION COVERAGE
In most cases, original Medicare does not include coverage for routine eye exams, eyeglasses, or contact lenses.
Normally Medicare will pay only following cataract surgery that implants an intraocular lens. Following that specific surgery, Medicare Part B will help pay for corrective lenses, one pair of eyeglasses or one set of contact lenses provided by an ophthalmologist.
However, the drawback is it will only offer this benefit once per lifetime and they only pay for a standard pair of eyeglasses. You would be responsible for the cost of upgraded frames.
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HEARING BENEFITS
If you only have original Medicare, it does not cover hearing aids. Part B does cover some hearing tests, such as diagnostic hearing and balance exams. You will have to go through your primary care provider for your initial screenings. Once they recommend that you need additional treatment, your Part B coverage will pay for a portion of the costs.
Medicare Beneficiary?
Ultimately what we have found works best is for our clients is to enroll in a stand alone plan that combines the dental, vision and hearing benefits. The monthly premium is low and allows you to have more coverage than what you would normally be provided otherwise with just original Medicare.
How would I enroll?
Fill out the form and we will be in contact soon or press the “Click to Call” button above.
