Vision & Dental
It’s important to choose Medicare coverage that helps take care of your whole self. You may want a plan that includes dental and vision care. Understanding what Medicare does and doesn’t cover may help you explore your options.
Does Original Medicare cover routine vision and dental care?
The short answer: not usually. Dental and vision care are not typically covered under Original Medicare (Part A and Part B). This includes most routine dental services, including dental procedures, fillings, cleanings, dentures or most other supplies.
An exception: Certain emergency dental procedures you would receive in the hospital may be covered under your Medicare Part A benefits. Aside from those circumstances, you are responsible for 100% of the costs of your dental care.
What about vision care? Original Medicare typically does not cover regular eye exams that you would receive before getting eyeglasses or contact lenses.
However, Medicare Part B does cover annual eye exams for people with diabetes to test for retinal issues related to their condition. The exam must be performed by a doctor who is both legally certified and Medicare-approved in your state.
Medicare Part B will also cover an annual glaucoma eye test if you are at high risk for the disease. A few risk factors:
· Diabetes
· Family history
· If you are Black and 50+ years old
· If you are Hispanic and 65+ years old
If you get a glaucoma test, diabetic retinopathy test or any other test related to a Medicare-approved condition, you will pay 20% of the Medicare-approved cost and your deductible. If it’s outpatient, you would also likely be responsible for your copayment.
How can I get vision and dental coverage through?
If having vision and dental coverage is important to you, there are other options worth considering.
Medicare Advantage plans are offered by private insurance companies that have Medicare contracts with the federal government. Along with all the benefits of Original Medicare (Parts A and B), Medicare Advantage plans typically provide extra benefits not included in Original Medicare. Many plans even include Part D prescription drug coverage.
Are there other discounted options?
Yes, certain dental providers offer discount cards.
Dental discount cards are not officially connected to Medicare, but are private programs that give you access to a network of dentists offering discounted rates for routine services. The benefits offered by these cards will vary.
Many private insurance companies offer standalone dental and vision plans you can purchase outside of Medicare. If you or your spouse are employed, you may be able to layer up your Medicare coverage with a group health plan that includes dental and vision benefits. Keep in mind many of these plans may require that you see providers within a specific network.
Who can help me get coverage?
It’s always a good idea to take a close look at your Medicare coverage and make sure you’re getting the benefits you need. Reach out to speak with a licensed insurance agent and learn more about vision and dental options, or shop Medicare plans here!
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