MONDAY, APRIL 25, 2022
If you’re 65 and older or have qualifying medical conditions, you may be eligible to enroll in Medicare coverage. Original Medicare, which is Part A and Part B coverage, helps pay for medically necessary care; however, your Original Medicare coverage doesn’t typically cover dental or vision care. This means you have to find other ways to receive your vision and dental care, such as through Part C or private dental and vision insurance. Our agents at E-Shop Medicare are here to help you receive all elements of healthcare coverage you need, no matter the age.
What Dental Care Is Covered Under Medicare?
Dental care is not seen as a necessary coverage by Medicare. Original Medicare may help cover dental services while you’re in the hospital, but it won’t help with services such as dental exams, procedures or supplies. This additional coverage can be sought out through Medicare Part C.
What Vision Care is Covered Under Medicare?
As with dental care, vision care is not seen as a necessary coverage by Medicare. Medicare Part B may cover some vision care, such as preventative or diagnostic eye exams. Coverage is typically not provided for routine eye exams but may be included for care such as glaucoma tests, yearly eye exams to test for diabetic retinopathy and eye tests for macular degeneration, cataract surgery and prescription lenses or eyeglasses in certain situations.
As with dental care, you can seek out vision care through a Medicare Advantage Plan, also known as Part C.
How Can I Receive Dental and Vision Through Medicare?
Although your Original Medicare does not offer vast coverage of dental and vision services, you can seek out care through additional Medicare coverage known as a Medicare Advantage Plan, also known as Part C. Medicare Advantage offers vision and dental care and offers the same coverage as Original Medicare. Medicare Advantage is a way to bundle your care with additions such as hearing coverage and gym memberships.
If you want to stick with Medicare coverage, this is the best way to bundle coverage. These care options are essential to maintaining good health, so if you don’t seek out bundled coverage through Medicare you should still consider seeking out care through other options, such as:
- Tacking on separate dental and vision plans onto your health insurance.
- Buy separate vision and dental stand-alone packages.
- Purchase coverage from a federal insurance marketplace. It’s important to note that you cannot buy stand-alone vision plans on the marketplace. You can sometimes buy dental plans separately on the market.
There is no one-size-fits-all option for coverage. It’s essential to choose coverage best suited for your needs.
What Are the Benefits of Bundling Vision and Dental Coverage?
You may be considering opting out of vision and dental coverage, but this coverage is essential as you get older in age for your overall health. There are several benefits to bundling coverage, including:
- Savings—Bundling your coverage can be a cost-effective way to seek out coverage. You can still seek out coverage if you don’t bundle, but you would be opting into individual policies, which can at times be more expensive.
- Prevention—Having both vision and dental coverage can help prevent further disease through early testing. Without routine care, you may end up with larger medical fees down the road.
- Increased productivity—Issues such as dry eye disease, in specific, can lead to reduced workplace productivity. With the increased use of computers in the workplace all day long, there has also been an increase in Computer Vision Syndrome. These issues can be addressed through routine care covered by your vision insurance, for example.
Regardless of your needs now, you never know when you may need care. To determine how the benefits of coverage may serve you, connect with an agent.
Learn More About Bundled Vision and Dental Coverage
At E-Shop Medicare, we specialize in Medicare coverage for all health care needs. Everyone’s coverage will differ depending on personal needs, so our agents are prepared to help you sort through your options. Contact an agent to discuss your options for bundling coverage or for more information on how you can get coverage today.
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