Original Medicare Part A and Part B are the lifeblood of millions of Americans today. While it can offer essential benefits, it does fall short in covering services like dental and vision care. This gap can lead to unexpected expenses for such necessary services. However, there are ways to work around this — you can consider adding dental and vision insurance to your Medicare plan, for example, to achieve comprehensive coverage and peace of mind.

Below, this supplemental insurance broker in Northwest Indiana is going to discuss some of the key things you should know about adding dental and vision insurance to your Medicare plan.

Original Medicare doesn’t cover dental and vision care

Original Medicare aims to provide hospital and medical care. However, it does not cover dental or vision services. It excludes routine cleanings, dentures, glasses, lenses, and more. While cataracts or glaucoma treatment is covered, regular eye examination isn’t. Such discrepancies leave many seniors in a tough spot since dental and vision care accounts for a crucial service in these post-retirement years. Neglecting dental and vision health can lead to more significant health issues, making dental and vision coverage essential.

Obtaining dental and vision coverage

As you’re exploring your vision and dental care options, it’s important to seek help from a reputable supplemental insurance broker in Northwest Indiana. There are ways you can add dental and vision coverage to your existing health plans, and expert insurance agents can suggest how you can do so.

One of the ways is to opt for Medicare Advantage or Part C plans, offered by private insurance companies covering some basic services like dental cleanings and X-rays, vision exams and corrective lenses, and hearing aids. A supplemental insurance broker can help you evaluate whether Medicare Advantage plans fit your budget, needs, and preferred providers.

Another good option is to get standalone dental and vision insurance plans while sticking to Original Medicare or Medicare supplemental plans. Standalone policies allow customization and ideally cover preventive care, some basic and major procedures, and more.

Choosing the right coverage

Choosing the right dental and vision coverage will depend mostly on your specific needs and financial situation. Start by assessing your current requirements, including your medical history and current health condition.

Prioritize plans that offer comprehensive coverage depending on these two factors. You should also anticipate a list of services you would require in the future. Compare costs like premiums, deductibles, and out-of-pocket expenses, and find a plan that works for your budget. It’s also essential to ensure that the dentist or optometrist you prefer is included in the plan’s network, or you can incur additional costs and limited access to necessary care.

When you work with a supplemental insurance broker in Northwest Indiana, it’s also important to understand the limitations of the plan you’re choosing, as some procedures might have waiting periods or can cap the amount paid annually. Once you have found the plan for your preferences, initiate enrollment with expert providers to ensure seamless coverage. When enrolled, keep reviewing your coverage every year to adjust to your changing life circumstances.

Looking for a Supplemental Insurance Broker in Northwest Indiana?

Adding dental and vision care insurance to your Medicare plan is a proactive step you can take to protect your future. Are you ready to meet with a local supplemental insurance broker in Northwest Indiana that can help you incorporate these coverages into your plan? If so, Senior Care Insurance Services (SCIS) is the company to call. You can expect local expertise, unbiased recommendations, and personalized services with us. Contact us today to secure the right coverage.