6 March A Few Things Medicare Won't Cover, and How to Pay for Them March 6, 2017 By Editor Dental Vision Hearing Insurance, Medicare Supplement dental vision hearing insurance, medicare, medicare supplement, medigap, seniors 0 Dental Care Medicare Does NOT cover the following types of dental care: Routine visits or cleanings Common treatments like root canals and fillings Dentures Major treatments like oral surgery or treatment of gum disease How to Pay for Dental Care Some dental insurance plans, like that of ManhattanLife, are tailored to older clients. Our Dental, Vision, and Hearing plan is guaranteed issue to age 86, with guaranteed renewability for life. The plan also covers costs associated with some vision and hearing services, like eye exams, glasses, contacts, hearing exams, and hearing aids. The plan is not restricted to a network and will pay benefits based on charges from the dentist of your choice. Also, some Medicare Advantage plans offered by private insurers will cover some dental services, however, benefits are limited and only cover certain dentists, so make sure to read over the benefits provided and the networks of providers. Long-Term Care While Medicare Part A covers nursing care facilities, it only does so if skilled nursing care is required. Skilled nursing care would include things like changing surgical dressing and other services in which a knowledgeable medical assistant is necessary. So, if you need help with things like bathing, eating or using the restroom, Medicare will not cover that type of routine care, although around 70% of retirees will need it at some time or another. How to Pay for Long-Term Care Costs Long-Term Care Insurance provides the simplest answer. These policies will provide a daily benefit to cover routine care needed at home. Also, qualifying for Medicaid or VA benefits will provide you with payments for nursing home care. Glasses and Hearing Aids Medicare Advantage plans will often cover some of these costs, but not all. The VA will provide a no-cost hearing aid for most eligible veterans. Some private insurers offer DVH, or Dental, Vision and Hearing plans as a bundle. These plans are usually low-cost, and provide the most efficient way to cover all of these costs. For more information on ManhattanLife’s DVH product, which is guaranteed issue to age 86, please visit our Dental, Vision, and Hearing page. For Medicare Supplement visit ManhattanLife's Medicare Supplement Plans. Related Posts Skilled Nursing Facilities and the Costs Medicare Won't Cover Many people are under the false impression that Medicare covers all of the costs associated with a Skilled Nursing Facility up to a stay of 100 days; however, this is not true. Medicare Penalties and How to Avoid Them Medicare Part A, B, and D penalties and how to avoid them. Medicare Supplement Plans and You - Know Your Options If you return to Original Medicare during the Annual Election Period (October 15th – December 7th), you could be eligible for a Medicare Supplement plan. Know your options. 17 Reasons Consumers Choose Medicare Supplement Over Medicare Advantage A list of the main reasons consumers choose a Medicare Supplement plan over a Medicare Advantage plan. How Much Can a Medigap Plan Save You When Medical Bills Stack Up? We Did the Math. A Medicare Supplement plan, also called a Medigap plan, is designed to cover the healthcare costs that Medicare won't. In order to show how important a Medigap plan can be in protecting you from out-of-pocket costs, we calculated how much money a Medigap plan would save you in the event of an unlikely, yet completely possible, serious medical issue. What the 2020 Medicare Annual Election Period (MAEP) Means for You Also called Fall Open Enrollment, the Medicare Annual Election Period is one of two important periods for individuals eligible for Medicare. Comments are closed.