Medicare can provide valuable health insurance options for many people, including older adults and those living with certain conditions and disabilities. However, while this government-sponsored resource can make a huge difference in your life, it still has limitations. Understanding your Medicare’s various capabilities and clauses should be a top priority, as lacking coverage, such as for dental, vision and hearing-related care, can have dire consequences.
Understanding Medicare Coverage Capabilities
You should first understand that not all Medicare health insurance plans are created equal. There are several different types of Medicare, each offering various coverage options. You may want to consult a qualified insurance professional, such as those at Wimmer Insurance, to discuss your coverage needs and identify appropriate options.
How Different Types of Medicare Address Dental, Vision and Hearing Care
Consider how each classification of Medicare plans may address health care involving dental, vision and hearing needs:
- Original Medicare—Also known as Medicare Parts A and B, these policies may offer coverage for many essential health care services. However, coverage for dental, vision and hearing services is typically limited, meaning you may need to pay out of pocket.
- Medicare Advantage Plans—These policies, also known as Medicare Part C, may often include coverage for dental, vision and hearing care. This means you can receive financial aid for various services, such as dental checkups, vision tests and hearing aids.
There may be exceptions where you can still access dental, vision and hearing services without Medicare Part C or paying out of pocket, such as if your care is deemed medically necessary by a qualified doctor. Additionally, Medicare Part B may allow for an annual visit to an audiologist but does not typically help pay for hearing aids.
We’re Here to Help
As you age, your dental, vision and hearing-related health may encounter various issues with greater frequency. Having appropriate coverage can be critical.
Contact Wimmer Insurance in Detroit Lakes, Minnesota, todayto speak with one of our knowledgeable professionals and secure a suitable policy.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.