One of the biggest concerns of anyone growing older is maintaining their quality of life. Part of that is making sure your health is taken care of. To that end, many people rely on Medicare to lighten the load for their healthcare needs.
However, it’s important to remember that Medicare doesn’t cover everything. This is especially true when it comes to dental, hearing, and vision-related needs.
What Medicare Does and Does Not Cover:
In most cases, Americans are automatically enrolled in Medicare on the month they turn 65. Most will fall under both Part A and Part B. Part A covers inpatient hospital insurance while Part B covers outpatient services.
While that coverage sounds comprehensive, you may be surprised when it’s time for a routine checkup. That’s because Original Medicare (another name for Part A and Part B) does not cover most expenses related to dental, hearing, and vision. Coverage will only apply for emergencies or if it’s related to certain medical conditions.
Does that mean you’ll have to bear the full cost for those yourself? Well, not necessarily.
How to Get Additional Coverage:
Medicare Part C, also called Medicare Advantage, is an alternative to Original Medicare. Part C has plans that include the same coverage as Part A and Part B as well as additional coverage for dental, hearing, vision, and even health and wellness programs. Generally speaking, it’s similar to the health insurance you may have received through an employer. It’s even sold and administered by private insurance companies but the government sets the rules.
Different plans are available under Medicare Advantage but not all of them cover the same set of services. Keep this in mind so you can choose which one is right for you.
There are also some limitations if you decide to switch to Medicare Advantage. One of them is having to stay within the plan’s network of healthcare providers. Service areas are also regional instead of national which means you have to be living in the plan’s service area for 6 months of the year to be eligible. Some Medicare Advantage plans also have a premium while others do not.
Are those trade-offs worth it? That seems to be the case for the more than 20 million beneficiaries enrolled in Medicare Advantage. But at the end of the day, it all depends on your specific healthcare needs.
How The Benefit Link Can Help:
The last thing you want is to get hit with an unexpected medical expense that you thought was already covered. But finding the right plan can be a confusing and time-consuming endeavor. Luckily, you don’t have to do it on your own.
The Benefit Link can provide the guidance you need to help you make the best decisions. And we’ll do so without a penny out of your pocket. Schedule an appointment today so you can talk to one of our dedicated personal care advocates.