While many people understand the importance of having a decent health care plan in place, there are other aspects that are often overlooked due to cost, especially for individuals classified as senior citizens. You only have one set of permanent teeth, two ears and two eyes to last you a lifetime, so the importance of proper dental, hearing and facial care cannot be overemphasized. Studies have shown that good dental care can add up to 8 years to a person’s life, so you can easily see the importance of this issue.
What you need to know
The actual Medicare plan does not cover dental, hearing, and vision care. However, you can buy a policy to go with your Medigap supplement that will cover:
• cleanings & dental x-rays
• routine dental care, extractions and fillings
• fittings for hearing aids
• hearing aids
• routine vision exams, glasses or contact lenses
A high quality dental, vision and hearing plan is unnetworked, meaning you can see any dentist you want. You should also get immediate coverage for exams and cleanings with no waiting time. Plus, there are no health questions, so anyone is eligible for the plan.
Most people buy Medigap insurance plans to cover the gaps in their basic Medicare coverage. As it stands, there are 12 different Medigap insurance plans to choose from, including Part A and B, through Plan N. In many cases, the gaps covered can include certain deductibles, coinsurances, and some of your include co-insurance. -payments. Coverage plans are all identical. However, the price you pay for this differs per insurance company.
Basic Medigap Insurance Benefits
Virtually anyone can purchase a Medigap Insurance plan. The plan provides additional benefits to a person’s current coverage, ensuring that those unexpected health care costs are covered if they arise. However, they don’t cover dentistry, vision and hearing, so it’s a good idea to check out a supplemental policy for those benefits. The cost is determined by the amount of coverage the individual needs. Most importantly, there are few, if any, restrictions on coverage qualifications. However, this depends on the chosen insurer.
Perhaps one of the most important decisions you will ever have to make is selecting a Medigap insurance plan that meets your specific needs and fits your budget, along with a quality dental, vision and hearing plan.