Original Medicare Part A & Part B helps pay for what is defined as, “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. Thus, Original Medicare doesn’t cover dental exams, eye exams, eyeglasses or other related services. However, you have options if you have Medicare and want help with the cost of dental and vision care.
What Are My Options for Dental, Vision, and Hearing Coverage?
Medicare Advantage Insurance Plans
Medicare Advantage (Part C) Insurance plans offer the same coverage as Original Medicare Part A & Part B, plus more. Many plans include coverage for dental and vision care. Additionally, many plans may also include prescription drug coverage.
Medicare Advantage plans are offered by private insurance companies. Plan coverage and costs may vary from plan to plan, so we recommend you contact your Medicare advocate at Medicare Pathways to compare all of the plans available in your area. Some plans may charge a premium in addition to the Part B premium you pay to Medicare.
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.
Medigap policies are standardized by the federal government in terms of coverage, but costs may vary. Also, plans are standardized differently in Minnesota, Wisconsin and Massachusetts.
Dental, Vision, and Hearing Insurance
Dental, Vision, and Hearing insurance also known as DVH plans, are stand-alone plans that cover many of the costs associated with caring for your teeth, eyes, and hearing. DVH plans help pay for office visits, routine exams, surgeries, and treatment.
These plans are offered by private insurance carriers and usually cover preventive care at 100%. Additionally, plans vary by insurance carrier and may have a network you must use, or no network at all. DVH plans also differ based on waiting periods, copays, deductibles, much like any other standard insurance plan.
Medicare Pathways represents over 25 insurance carriers offering dental, vision, and hearing coverage. Contact your Medicare advocate to learn more about what plan fits your medical and financial needs. We can help you find the right plan at the right price.