The dental portion of these benefits typically focus on the preventative side of dental health, and usually offer little to no cost cleanings, X-rays, and basic fillings. Some plans go as far as to cover more advanced dental work like root canals, although the dental benefit will usually cap out with an annual maximum of around $500-$2,000. So, if you’re prone to cavities, you may want to ask your agent about coordinating Medicare Advantage plan benefits with a more comprehensive dental plan to ensure maximum coverage.
The vision portion of these benefits also usually focus on the preventative side of eye care and tend to offer little to no cost eye exams to make sure your vision is still in good shape. Many plans will also offer a set hardware allowance to help you with the cost of your glasses and contacts! Like dental benefits, you should also consider asking your insurance agent about coordinating your Medicare Advantage plan vision care with a stand-alone vision plan. These plans are usually less than $20 a month and can help you afford more advanced eyeglasses and can even give you discounts on things like prescription sunglasses!
Hearing care, also a very important benefit is available in most plans. These Medicare Advantage plans also will include a basic hearing exam and some will even cover hearing aids! However, do expect to share the cost of your new hearing aid with the insurance company. Although you’ll likely get it at a heavily discounted rate, you’ll probably still have to put some money down. Your insurance agent can help you look before you leap and assist you in finding a plan to maximize your coverage.
Medicare Advantage plans can also help with your medications. Even the Over-the-counter ones! A common client favorite are savings available for Over-the-Counter products. Many plans include an Over-the-Counter benefit that gives members a quarterly or monthly allowance to spend on things like antacids, aspirin, bandages, vitamins, and more! Every company has a different way of getting members their products, but most either allow you to order from an online or paper catalog or will give you a prepaid card to use at the store.
Many insurance companies also offer need-specific programs and special plans that can help folks with a variety of health and life obstacles. Some common programs devote care managers and extra resources to folks with chronic conditions, mobility issues, and other unique needs. Your eligibility for these programs is typically assessed after you submit your enrollment application. Additionally, there are plans called Chronic Special Needs plans for which you must have one of 15 Medicare designated conditions in order to qualify. An insurance broker can help you assess whether you are eligible. Finally, once the enrollment application is completed a Health Assessment can be done. These optional, brief questionnaires will typically ask you about your general health, how often you’ve stayed overnight in the hospital, your ease of mobility, and if you’re having any difficulty accessing needed doctors or medications. The answers will help your Medicare Advantage company determine if you are eligible for any extra programs and they will reach out to you directly after your plan starts.