Offered by: Jennifer Bell – Bell Benefits, LLC
With Medicare being insurance for retirees, you would think it would cover dental work. But unfortunately, it doesn’t. In fact, it doesn’t cover routine hearing or vision exams either.
I’ve always thought it strange that Medicare wouldn’t cover three of the areas on our bodies that start to decline more during retirement.
But, it is what it is so we just have to work with what we have.
Some Medicare Advantage plans will offer forms of Dental, Vision & Hearing coverage; for instance, a routine exam annually and possibly some additional assistance for hardware.
Other than that, the option is to get a stand-alone policy that covers one Dental, Vision or Hearing OR a policy that covers all three. There are a few different insurance companies who offer these policies.
Keep in mind, dental coverage is completely opposite from medical coverage. Dental Insurance policies limit the amount of money THEY will spend in a year versus the amount YOU will spend. However, they do give you some pretty major discounts.
One example of this with dental coverage is cash pay versus the negotiated, discounted rate through the insurance. Recently in the cash pay scenario, a filling would have been $240 but having the insurance policy made it so the insurance can only be billed at a $120 rate. This meant my client would pay 30% of $120 rather than the entire cash pay amount of $240. So it definitely makes sense to have the coverage.
Knowing what to do is really an individual situation.
Please let me know how I can help.