With age, maintaining your health becomes increasingly important. This is particularly true for dental, vision, and hearing care among seniors. However, Original Medicare doesn’t cover these essentials. It leaves many seniors looking for solutions and additional coverage. This is where the Medicare Supplement (Medigap) comes into play. But does every Medigap plan offer these services? This Medicare Supplement broker in Michigan City, Indiana is going to explain below.

Medigap Plans and Their Limitations

Medicare Supplement, or Medigap, helps cover the healthcare costs that Original Medicare doesn’t. These can include copayments, coinsurance, and deductibles. Each plan is identified by letters from A through N. However, the catch lies in the limitations of this plan. None of these Medigap plans offer coverage for a lot of essential services. The exclusions include the following:

• Regular dental checkups, cleanings, fillings, and dentures or implants
• Eye exams, glasses, contacts, and correction surgeries like LASIK
• Hearing exams and hearing aids
• Outpatient prescription medications under Part D
• Long-term care, including in-home assistance, assisted living facilities, etc.
• Expenses of private duty nurse
• Cosmetic surgeries not necessary from a medical standpoint
• Alternative treatments like homeopathy, acupuncture, and naturopathy

So, the answer to whether a Medigap plan covers dental, vision, and hearing is ‘no’. Medigap plans do not cover dental, vision, hearing, and other excluded services. They have some limitations; hence, separate insurance or Medicare Advantage plans are needed for these healthcare costs. You can click here for additional information on what may not be covered.

Exploring Alternatives

Since Medigap falls short in some areas, many seniors consider getting additional insurance policies and the best plan for their needs.

You can consider a stand-alone insurance plan for dental, vision, and hearing coverage. This can also be combined with your existing coverage for a comprehensive offering. These plans can be affordable and offer benefits including the following:

• Dental examination, cleaning, x-rays, and procedures like fillings, crowns, and dentures
• Annual eye exams, glasses, contacts, and (sometimes) discounts on corrective surgeries
• Hearing exams, follow-up visits, aids, and fittings

Part C or Medicare Advantage is another excellent alternative. If you wish to enroll in a dental, vision, or hearing care policy, switch to Medicare Advantage provided by private insurance companies. Medicare Advantage plans combine Medicare Part A and Part B benefits, prescription drug coverage, and other extra benefits.

If you’re still working or have retiree benefits from a former employee, you can also look at the benefits they may offer. Then, some discount programs and membership plans (not insurance) can offer significant savings on out-of-pocket expenses. You can always speak to an expert Medicare Supplement broker in Michigan City, Indiana for more information about the intricacies that are involved.

Choosing the Right Plan

Undoubtedly, you may require comprehensive coverage for your unique needs. But it’s important to carefully choose your plan to get the best bang for your buck. You should start by assessing your current health needs and how frequently you’ll require dental, vision, and hearing care. Also, evaluate your financial capacity to handle the premium costs and any out-of-pocket expenses. Compare the different plans you’re considering and invest in the one that’ll offer long-term benefits. If you’re torn between options, you can consult with a Medicare Supplement Broker in Michigan City, Indiana. A knowledgeable broker can help you find an option that fits your needs and budget.

Looking for a Medicare Supplement Broker in Michigan City, Indiana?

Having the appropriate dental, vision, and hearing coverage is essential for your overall well-being. Are you ready to meet with a Medicare Supplement broker in Michigan City, Indiana that can help you find the perfect Medigap plan? If so, our agents at Senior Care Insurance Services are here to provide expert guidance and personalized assistance. Contact us today to schedule a meeting with our team.