Dental and Vision Insurance Plans
Typically, neither Medicare or Individual health plans cover dental or vision insurance.
If you are covered by original Medicare, you pay 100% for eye exams, as well as eyeglasses or contact lenses. Some Medicare Advantage plans offer extra benefits that Original Medicare doesn’t cover – like vision, hearing, or dental. Contact us for more information.
Cases where Medicare does pay for vision care:
Medicare Part B (Medical Insurance) covers eye exams for diabetic retinopathy once each year if you have diabetes. The exam must be done by an eye doctor who’s legally allowed to do the test in your state.
Medicare Part B (Medical Insurance) covers glaucoma tests once every 12 months if you’re at high risk for glaucoma. You’re at high risk if one or more of these applies to you:
- You have diabetes.
- You have a family history of glaucoma.
- You’re African American and age 50 or older.
- You’re Hispanic and age 65 or older.
Medicare Part B (Medical Insurance) may cover certain diagnostic tests and treatment (including treatment with certain injected drugs) of eye diseases and conditions if you have age-related macular degeneration (AMD).
In all 3 of the above cases, You pay 20% of the Medicare-approved amount for your doctor’s services, and the Part B deductible applies. In a hospital outpatient setting, you pay a copayment.
For more information visit https://www.medicare.gov/coverage/eye-exams-routine
Medicare doesn’t cover most dental care, dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices. Medicare Part A (Hospital Insurance) will pay for certain dental services that you get when you’re in a hospital. Part A can pay for inpatient hospital care if you need to have emergency or complicated dental procedures, even though the dental care isn’t covered. Inpatient care includes treatment you get in an acute care hospital, critical access hospital, inpatient rehabilitation facility, long-term care hospital, inpatient care as part of a qualifying research study, and mental health care.
Joseph Cioffi Insurance represents several top name companies that offer standalone dental and vision plans. Let us help you find a plan that is going to best meet your needs, click here to contact me or call me at (458) 205-8398.