While Medicare does provide healthcare insurance for several medical needs, it doesn’t cover most hearing, vision, and dental care services. Medicare won’t pay for dentures, contacts, eyeglasses, and hearing aids. Most people new to Medicare are shocked to hear this and when their employer or individual insurance no longer in effect often find themselves needing a seprate plan to cover these things or they are left with what can be a large gap in healthcare coverage.
Medicare doesn’t cover most dental care, dental supplies, or dental procedures like routine cleanings, dentures, fillings, extractions, etc. However, there are a few exceptions. For instance, Medicare Part A will cover certain dental services you receive when you are in a hospital. Medicare Part A can also pay for a dental procedure in the case of an emergency or complicated dental work even when dental care isn’t covered.
Moreover, some Medicare Advantage (MA) plans will include dental work, though this depends on the MA policy you purchase. Some of the benefits MA plans with dental coverage could offer include:
The vision coverage offered by Medicare is limited. Medicare doesn’t cover routine eye exams, contact lenses, fitting exams, or eyeglasses. There are a couple of exceptions to this. For instance, Medicare Part B will cover eyeglasses or contact lenses if a beneficiary has cataract surgery. Also, if you have diabetes, Medicare will be responsible for paying for your routine eye exams to check for diabetic retinopathy.
Part B also covers some eye preventive care services, such as annual tests for glaucoma in high-risk individuals. But the beneficiary will have to pay 20% of the out-of-pocket costs while Part B will pay for the rest. Medicare will cover tests and exams for some other diseases that are considered medically necessary, like dry eye syndrome and macular degeneration.
If you have a Medicare Advantage plan, you have better luck finding coverage for standard eye exams and eyewear. In addition to some of the coverage, you would receive in Original Medicare, additional benefits Medicare Advantage could offer include:
Medicare doesn’t have hearing coverage for hearing aids, routine hearing exams, hearing aids exams. However, if a doctor requires diagnostic hearing and balance tests, Part B will pay for it. With that said, anyone that receives services covered by Medicare Part B will pay for 20% of the hearing procedure. Like vision and dental coverage, a Medicare Advantage plan might cover hearing coverage, which includes:
Tagged: vision, hearing, Medicare, Dental, Dental Hearing and vision, Medicare Advantage Plans, Medicare Advantage