Dental/ Vision
Purpose of Dental and Vision Plans
These plans are designed to prevent the client from paying a large amount if something happened and major work was needed to be done. For a client without insurance, you will pay the full cost out of your pocket which can be very expensive but with a dental, vision, or hearing plan you will pay less out of pocket because your plans monthly premiums will lower your exposure and allow the insurance to pay up a percentage up to a set maximum amount.
Who needs these plans?
Most Medicare Advantage Plans come with some dental and vision coverage, but most coverage is not enough to cover anything more than routine work. Having a dental plan can prevent you from spending a large amount of money out of your pocket for just a small monthly premium.
These plans are worth it if you have extra needs.
Medicare by itself does not cover dental, vision or hearing. In most cases there is a 12-month waiting period for comprehensive coverage but immediate coverage for preventative and routine work. These plans have a maximum benefit they will pay out, which means once the plan has paid the maximum amount, it will not pay anymore claims for that calendar year. The maximum amount can vary between each plan.