Dental, Vision, and Hearing
This is an automatic question with every person that we speak with.
"What about dental and vision coverage".
Medicare as a whole has excellent medical coverage.
Unfortunately, the same cannot be said about Medicare's coverage of routine dental and vision care.
Many people are used to having some form of dental and vision coverage from their employer, so this transition to having to find dental and vision coverage for the first time can come as a bit of a shock!
This section is to address that initial shock and to propose some of the most common solutions.
Medicare Advantage vs. Medigap Dental
Medicare Advantage plans typically come with some built-in dental and vision coverage.
This is not to say that it will cover all of your needs at the optometrist or dentist, but it is a start!
Medigap plans do not include any built-in coverage for dental or vision.
Some enrollees may choose to add a separate dental/vision policy with their Medigap plan. This video breaks down exactly how dental/vision coverage differs between MA plans and Medigap.
How Stand Alone Dental Works
It is important to note that this option is only referring to stand-alone dental/vision coverage. If you prefer the sound of a Medicare Advantage plan, this section won't help clarify which Advantage plan will provide the best dental coverage.
Dental Insurance Alternatives
We’ve heard it all. You can pay cash, you can use Groupon to find teeth cleaning “deals”, you can ask your dentist if they provide a discount to Medicare eligibles, and some dental office has their own version of an “insurance plan” - $300 annually for 2 cleanings, x-rays and exams, for example. Ask your dentist and talk to your Boomer advisor.