Are Dental and Vision Covered?

At SeniorQuote we know that healthcare means much more to seniors than just hospital visits and doctor’s offices.  A large amount of seniors also have dental and vision needs, as well.  It is one issue that we get questions about constantly.

Does Medicare Part A or B cover things like a dentist visit?  My prescription lenses?  Or an eye exam?  These are great questions and important to understand when considering your overall Medicare coverage.

Let’s start with dental coverage.  Simply put, if you have basic Medicare part A & B, you are not covered for dentist visits or benefits.  What falls under visits and benefits?  These are things that include checkups, cleanings, fillings, extractions, and dentures.  The only things that basic Medicare may cover are things that are applicable in a hospital setting.  If you would like to add dental benefits and coverage there are 2 ways to go about acquiring coverage;

1) Through an Advantage plan

2)  Through private insurance

Keep in mind that not all Advantage plans include dental coverage.  Additionally, there are many private insurance plans that bundle dental and vision coverage into one plan for seniors.

Vision coverage is similar to dental coverage.  Basic Medicare part A & B does not cover routine eye exams/ refraction, eyeglasses, or contacts.  Medicare does however cover things relating to eye disease.  Common eye diseases for seniors include glaucoma, cataracts, and macular degeneration.  Medicare will cover the diagnosis and treatment of these diseases and many others.  As with dental, there are Advantage plans that cover vision, as well.

We know that these are important aspects of complete healthcare and do not think they should go overlooked.  With open enrollment coming to an end soon, now is the time to look into Advantage plans for additional dental and vision coverage.  SeniorQuote knows the ins and outs of Medicare plans.  Give us a call and we can assist you in finding the plan that best fits your needs.

Medicare Changes Highlighted in Recent USA Today Article

A recent USTA Today article, written by Kaiser Health News reporter Susan Jaffe, details some of the changes that will impact Medicare coverage for 2014. With only one month to go before the end of the Open Enrollment Period, these changes will be important for you to consider as you review your options.

A list of the key changes listed in the article follow:
● Monthly premiums for 2014 are changing dramatically. For example, the cost for one AARP UnitedHealth plan will increase by 55%, while the cost of another popular plan from Wellcare will decrease by 38%.

● Another popular plan, SilverScript Basic, is now off limits to new members until Medicare officials are satisfied that the company has resolved operational problems.

● The coverage gap or “doughnut hole” in Part D is growing smaller in 2014. The Affordable Care Act shrinks the gap every year until it’s closed in 2020.

● Next year, drug coverage stops when the insurer and member together have spent $2,850 and resumes when the member has spent $4,550. This year, coverage stopped at $2,970 in spending and resumed at $4,750.

● Discounts on drugs that seniors buy while in the gap have also improved, and next year’s deductible is $310 instead of $325.

● The Open Enrollment Period will have 142 fewer Medicare Advantage plans, the private plans that are an alternative to traditional Medicare fee-for-service coverage,

● Officials expect average Medicare Advantage monthly premiums to increase by $1.64 to $32.60 next year, while the average prescription drug plan premium will remain roughly the same, at about $31.

These changes give you a lot to consider. And SeniorQuote is here to help.
Enjoy the USA Today article. And enjoy the saving money with SeniorQuote during the Open Enrollment Period.

Link: http://www.usatoday.com/story/money/personalfinance/2013/10/15/medicare-open-enrollment-aarp-prescription-part-d-insurance/2968031/

Forbes Magazine Gives Seniors Advice to Save Hundreds of Dollars during Open Enrollment Period

Forbes Magazine has long been recognized as an important resource to the savvy investor. This week, the leading finance magazine weighed in on the importance of shopping carefully during the Open Enrollment Period, the time of year when individuals with Medicare are able to make important changes to their healthcare coverage. Open Enrollment runs from October 15th to December 7th, and provides seniors with the opportunity to adjust their coverage, add dental and prescription drug coverage, and lower their monthly premiums. According to Forbes Magazine, hundreds or thousands of dollars of savings are available during this important period.
SeniorQuote is all about saving money. That is why we founded the company – to provide you with a trusted resource to comparison shop a wide-range of insurance carriers and health insurance coverage plans to find the monthly premium that best fits your budget. Our licensed agents are available to answer all of your questions and help you make the right decision for your family.
We recommend reading the full article, linked above. Forbes provide the following facts and tips for protecting yourself and realizing significant savings during Open Enrollment:

Forbes Facts:

  • 86% of seniors are confused about Open Enrollment and their Medicare Options
  • The government shut-down caused issues with the Medicare.gov website, adding to the confusion
  • There are a number of fraudulent companies and individuals preying on seniors during the Open Enrollment Period
  • Forbes reviews the premium increases planned for Medicare in 2014 and the impact of Obama Care

Forbes Tips:
Tip #1: Don’t take a call from someone you don’t know or trust offering to help you navigate Medicare plans.

Tip #2: Don’t give out any personal information, such as your Medicare number, to unsolicited callers.

Tip #3: Don’t toss the mail you received from your health insurer and competing firms about your 2014 Medicare plan.

Tip #4: Don’t assume that you (or your spouse) have the most appropriate Medicare plan.

Tip #5: Do review your current carrier’s Medicare plan for 2014 to ensure you understand the pending changes. 


Tip #6:
Do understand that you may not necessarily be able to switch from your Medicare Advantage plan to a traditional Medicare plan plus a Medigap plan.


Tip #7:
Do study any changes in your plan’s drug coverage and cost (Part D, if you have traditional Medicare).


Tip #8
  Do seek expert help if you need it. We agree. And our experts at SeniorQuote are here to help.


Tip # 9:
Do take your time, but be sure to make your choices before open enrollment ends.
We couldn’t agree more. Enjoy the article. And enjoy the Open Enrollment Period. This is your best opportunity to save money and improve your health coverage.