Some Advantage plans even provide routine dental, vision, and hearing coverage and then offer additional coverage for a premium, helping to provide robust coverage options.
When browsing Medicare Advantage plans, make sure the plan you are looking at not only covers your health and drug needs, but your dental, vision, and hearing needs as well. If a rider is needed for dental, vision, and hearing coverage, make sure to pay the additional premium and opt-in to the optional dental, vision, and hearing benefits when you sign up for the plan.
What Does Original Medicare Cover in Terms of Dental, Vision, and Hearing?
Original Medicare (Part A and B) does cover:
- Dental, vision, and hearing services required while in the hospital. For example, Part A can pay for inpatient hospital care if you need to have emergency or complicated dental procedures, even though dental care isn’t covered. This is specifically covered by Medicare Part A (Hospital Insurance).
Original Medicare (Part A and B) does not cover:
- Vision services like eye exams,
- Hearing services like hearing aids, exams, or fittings, or;
- Dental services like most dental care, dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices.
What Does Medicare Advantage Cover in Terms of Dental, Vision, and Hearing?
While not all Medicare Advantage (Part C) plans cover routine dental, vision, and hearing, many do. Some offer this as part of the plan, others offer riders that can be added to a plan for an additional premium.
Plans that do cover dental, vision, and hearing tend to cover all aspects of it, but the specific services covered, their cost-sharing, and limitations differ by plan. In general higher premium plans will offer better coverage, but the specifics differ plan.
You can use our website to see dental, vision, and hearing cost-sharing and benefits information for each plan, and to see what riders can be added on, and/or you can call a given plan provider and ask them about their options.
TIP: You can also get a standalone dental, vision, and hearing plan if your Medicare coverage doesn’t have an option. Keep in mind standalone plans will have unique deductibles and costs like copays and coinsurance. These plans may also have unique rules as to how cost-sharing works, for example dental plans tend to require you to be on the plan for x amount of time before the full cost sharing kicks in.
- Dental services. Medicare.Gov.
- Hearing aids. Medicare.Gov.
- Eye exams (routine). Medicare.Gov.
- Does Medicare Cover Dental? Cigna.com.