Tips to Manage The Medicare Coverage Gap

Medicare (Parts A and B) provides essential health coverage but does not typically include routine dental and vision care unrelated to specific medical conditions or procedures.

Without additional coverage, expenses for services like dental cleanings, eye exams, and necessary treatments can quickly add up. That’s why I wanted to share some information on how you can fill this coverage gap and ensure you have the protection you need.

Understanding the Coverage Gap

While Medicare covers many health care needs, it generally does not include:

• Routine dental care, such as cleanings, fillings, and dentures
• Vision services like eye exams, glasses, and contact lenses

Without supplemental coverage, these expenses fall entirely on you.

Exploring Your Options

To ensure comprehensive coverage, here are a few options to consider:

• Medicare Advantage (Part C) plans – Offered by private insurers, these plans often include dental and vision benefits. Coverage details vary, so it’s important to review options carefully.
• Private dental and vision insurance – Separate policies can provide tailored coverage for routine check-ups and necessary treatments not covered by Medicare.
• Dental and vision savings programs – Membership-based discount programs that reduce out-of-pocket costs for dental and vision care.

Making an Informed Decision

When exploring additional coverage, consider:

• Network restrictions – Ensure your preferred providers accept the plan.
• Costs – Compare premiums, deductibles, and copayments to find a plan that fits your budget.
• Coverage details – Review included services, waiting periods, and annual maximum benefits.