How to Get Medicare Plans with Dental and Vision

medicare plans

Enrollment for Medicare is expected to rise to 79 million by 2030. If you’re one of the people looking to enroll in Medicare, you probably have a lot of questions. We don’t blame you, there are a variety of Medicare plans and it can be confusing to navigate all of them.

Dental and vision coverage is highly sought after when it comes to insurance so it’s important to know about Medicare plans with dental and vision. After all, receiving good dental health and vision can be expensive. You shouldn’t avoid getting eye exams or dental care because of financial fear.

Keep reading to learn how to get Medicare plans with dental and vision.

What Is Medicare?

Medicare is a government health care program for people 65 and over. It’s a great option for containing medical costs as you age. When you approach 65, you’ll need to look at the different Medicare plans and see what coverage you’ll need.

If you’re at least 65 and a U.S. citizen or permanent legal resident for the last 5 years, you’re entitled to Medicare. When you turn 65, you’ll automatically be enrolled in Medicare Part A and B. These cover hospital costs and doctor visits.

There is also Medicare Part D which covers prescription drugs but you’ll need to sign up for that, it isn’t automatic. Let’s look into the different Medicare plans offered:

What Medicare Plans Are There?

Medicare Part A covers inpatient care in a hospital or skilled nursing facility. This also covers hospice care.

Medicare Part B covers doctor visits and other medically necessary supplies and services. This includes mental health coverage, medical equipment, and ambulance services. If you don’t sign up for Medicare Part B at 65 and decide later on that you need it, you’ll have to pay a penalty at 10% of the premium for every 12 months delayed.

Medicare Part C, also known as Medicare Advantage, is a healthcare plan that is offered by private insurance companies. These provide all of the benefits of Part A, B, and D but also have plans that contain additional coverage. This is where vision and dental care come in.

Medicare Part D helps cover the cost of prescription drugs. There’s a monthly premium and the plans are offered by private insurers. If you have a higher income, you’ll pay more.

How to Get Medicare Plans with Dental and Vision

Now that you know that Medicare Part C is what you’ll want to look into when it comes to dental care and vision, it’s time to learn how to enroll. The first step is to find out what Medicare Advantage plans are available in your area. Use the find a Medicare plan tool, look at the plans, type in your zip code and you’ll be able to see your options.

As you review the different plans in your area, you can see what the different plans include. Look for a plan that includes dental coverage and vision. You’ll notice that there is other information available, like the monthly premiums and the type of plan.

Once you’ve looked over the different options, you can select a plan that fits your needs. Be sure to read thoroughly and see exactly what the plan offers. Some plans only offer simple dental coverage while others are more comprehensive.

Then you’ll want to visit the websites of the companies that are offering these plans. If you already have a dentist or doctor that you go to, you’ll be able to make sure that they accept the plan you’re selecting. If you have any questions, you should talk to a consultant.

After all, this is an important decision to make and you don’t want to make a selection without a complete understanding of the plan. Once you’re ready, all you need to do is sign up!

Cost of Medicare

Some of the terms used when describing out-of-pocket expenses can be confusing. So let’s take a look at the common financial terms you’ll face with Medicare:

  • Premiums: The monthly payment to have the plan
  • Deductibles: The amount you must pay on your own before the insurance covers the costs
  • Copay: This is a flat fee you pay for covered services
  • Coinsurance: The percentage of costs that you’ll pay after you reach the deductible

For Medicare Part A, the deductible can either be $0, $259, or $471 depending on how early you claim it. The deductible is $1,484 and there is no out-of-pocket maximum.

For Medicare Part B, the deductible is $148.50 but it can be higher. The deductible is $203 per year and there is no out-of-pocket maximum.

For Medicare Part C, since each plan is different, you’ll need to look at the provider’s plan that you are signing up for. The out of pocket maximum for all the plans is $7,550 in-network.

For Medicare Part B, the deductible is $33.06 but it can be higher. The deductible and copay vary. The out of pocket maximum for all the plans is $6,550.

Since there are so many variables that come into play with Medicare, you’ll need to research your specific plan. If you’re still interested in knowing about pricing, you can read more about the costs here.

Finding the Right Plan

People who are 65 and older receive Medicare automatically but if you’re looking for Medicare plans with dental and vision, you’ll need to enroll in Medicare Advantage. You can look for plans in your area and see what they offer. Depending on your lifestyle and health, you will be able to find coverage that works for both your budget and needs.

Be sure to do your research thoroughly and understand the costs you’re responsible for. You don’t want to be stuck with a plan that you can’t afford.

Looking for more informative articles like this? Check out the health and fitness section of our blog.