One of the most common questions we are asked is “Does Medicare cover dental and vision?” We are asked this question so often because of a couple of reasons. Typically, while we are on employer coverage, we have the option to take out dental and vision plans as supplemental insurance. Of course, we want to know if these options are available under Medicare. Another reason we are asked this question is because of all the television ads about Medicare. Joe Namath is telling us we are missing dental and vision benefits, and we want to know why. So, in this blog post, we are going to dive into how Medicare treats dental and vision care.
Original Medicare does not cover routine dental nor vision care. Therefore, if you have Original Medicare only, or Original Medicare and a Medicare supplement, you will not be covered for routine dental or vision care. Routine dental would include exams, cleanings, x-rays, fillings, caps, etc. Some oral surgeries may be covered. Routine vision would include exams, x-rays, glasses, and contacts. Cataract surgery, however, should be covered under Original Medicare.
If you are enrolled in a Medicare Advantage plan, there is a good chance you have dental and vision coverage as part of your plan. A typical Medicare Advantage plan will have a maximum benefit ranging from $1,000 to $2,500 per year. Usually there is no copay for exams and cleanings. Most plans will include coverage for fillings and extractions. The one thing not covered by Medicare Advantage plans are implants.
Regardless of whether you are on Original Medicare, or you have Medicare Advantage, if you want additional dental or vision coverage you would need to enroll in a stand-alone plan. Most major insurance companies offer these.
If you have questions regarding any aspect of Medicare or Medicare health plans feel free call us at Alabama Health Guidance (256-648-5710), stop by our office at 885 Florence Blvd. (Four Lane Shopping Center), or email Ikey Fowler at ikey@alabamahealthguidance.com.