Medicare, the federal health insurance program for people 65 or older and those with disabilities, provides coverage for many medical needs. However, it does not cover all healthcare expenses, including dental and vision care. If you’re enrolled in Medicare, you may be looking for ways to get additional coverage for these services.
In this blog, we’ll explore your options for getting dental and vision coverage with Medicare.
Dental Coverage with Medicare
Medicare does not cover routine dental care, such as cleanings, fillings, or extractions. However, if you need dental care as a result of a medical condition, such as jaw surgery or cancer treatment, Medicare may cover it.
If you’re looking for dental coverage, you have several options, including:
- Medicare Advantage: Some Medicare Advantage plans include dental coverage. You can compare plans in your area and find one that meets your needs.
- Stand-alone dental insurance: You can purchase a separate dental insurance policy to cover routine dental care. These policies are offered by private insurance companies and may be available through your employer or as an individual policy.
- Dental savings plans: Dental savings plans are not insurance policies, but they can help you save money on dental care. These plans work by giving you access to a network of dentists who have agreed to provide services at a discounted rate.
Vision Coverage with Medicare
Medicare does not cover routine eye exams, eyeglasses, or contact lenses. However, if you need vision care as a result of a medical condition, such as cataracts or macular degeneration, Medicare may cover it.
If you’re looking for vision coverage, you have several options, including:
- Medicare Advantage: Some Medicare Advantage plans include vision coverage. You can compare plans in your area and find one that meets your needs.
- Stand-alone vision insurance: You can purchase a separate vision insurance policy to cover routine eye exams, eyeglasses, or contact lenses. These policies are offered by private insurance companies and may be available through your employer or as an individual policy.
- Vision discounts: Vision discounts are not insurance policies, but they can help you save money on vision care.
Final Thoughts
While Medicare provides comprehensive coverage for many medical needs, it does not cover routine dental or vision care. However, there are several options available to help you get the coverage you need, including Medicare Advantage plans, stand-alone insurance policies, and discounts. Before making a decision, it’s important to compare your options, consider your budget, and speak with a licensed insurance expert to determine the best option for you.
