Your healthcare needs evolve as you age. Most Medicare supplement plans, also called Medigap, offer excellent coverage to bridge the gaps left by Original Medicare. But they do not include dental and vision benefits. This can leave seniors tussling with unanticipated expenses for such essential services. Below, this Medicare supplement agency in Westville, Indiana is going to explain why adding dental and vision coverage to your Medigap plan can be a game changer.

The limits of Medicare supplement plans

A Medicare supplement plan helps you cover out-of-pocket expenses that Medicare does not pay for. It’s an extra insurance you can buy from a private agency to suit your needs. Since the Medicare space is complicated and vast, it’s important to consult with a Medicare supplement agency in Westville, Indiana to understand what works best for you.

Generally, Medicare supplement covers copayments, coinsurance, and deductibles, with some plans also offering coverage for emergency medical care outside the United States. However, it does not cover long-term care, private-duty nursing, and vision, dental, and hearing needs. It also won’t cover cleanings, fillings, dentures, eyeglasses, frames, etc., as these services can be outside the scope of a Medigap plan.

For many seniors, these services are essential for maintaining a good quality of life. Neglecting vision and dental care can lead to severe long-term consequences and increase the risk of other health problems.

Combining dental and vision insurance with Medicare supplement

Adding dental and vision coverage alongside your Medigap plan can offer the safety net you require in your golden years. With the right plan, you will be able to go for routine dental and vision examinations. This helps prevent complicated and costly problems down the line.

Dental and vision insurance can also significantly reduce the cost of crowns, root canals, prescription glasses, or corrective lenses after cataract surgery, which are already expensive. You are less likely to face unanticipated out-of-pocket expenses and remain proactive about your health.

Here are your options for adding dental and vision insurance along with your Medigap plan:

First, you can choose a standalone plan for your specific needs. This type of plan can cover preventive care, basic and major procedures, and other comprehensive benefits.

You can also invest in a Medicare Advantage (Part C) plan to combine your dental, vision, and hearing coverage. While Medicare Advantage differs entirely from Medigap, it is worth exploring if you prefer an all-in-one solution for your well-being.

There also are some discount plans for dental and vision services at reduced costs. While this isn’t an insurance plan, it can still provide significant savings on these essential services. A knowledgeable Medicare supplement agency in Westville, Indiana can suggest the right plan to fill these gaps.

Looking for a Medicare Supplement Agency in Westville, Indiana?

Supplementing your Medigap plan with dental and vision insurance can help you safeguard your health and finances. Are you ready to meet with an experienced Medicare supplement agency in Westville, Indiana that can help you choose the right combination of healthcare coverage? If so, Senior Care Insurance Services is here to assist you.

At SCIS, we have over 30 years of experience and deep knowledge of the local healthcare landscape. Our agents can recommend the best plan for your preferences and providers. We take the time to assess your needs, budget, and long-term health goals offering a personalized approach so you are not overpaying for unnecessary coverage or being underinsured. We are here to help you as your healthcare needs evolve. Contact us today to begin the process.