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Medicare and Dental, Vision and Hearing Coverage
When it comes to routine dental care, Original Medicare (Medicare Part A and Medicare Part B) does not offer coverage for annual exams, cleaning, crowns, bridges or dentures. However, a Medicare Advantage plan may offer routine dental care and another viable option is a stand-alone dental insurance plan. Learn more about your dental options alongside Medicare.
When it comes to Medicare coverage and vision, Original Medicare also doesn’t cover routine vision care such as annual exams, eyeglasses or contacts. Medicare Part B can cover a handful of services related to vision needs like eye exams for diabetic patients, glaucoma tests and macular degeneration tests and treatment. Similar to dental, Medicare Advantage might include routine vision care and there are also stand-alone vision insurance options that are available.Additionally, Original Medicare does not cover the cost of hearing exams or hearing aids, but as you might guess, a Medicare Advantage plan may offer hearing aid coverage for certain device purchases through approved vendors. Learn more about Medicare and hearing care.Medicare Coverage and Mental Health
You can expect to receive coverage for mental health therapy via your Medicare benefits. Both Part A (hospital insurance) and Part B (medical insurance) cover many aspects of mental health therapy and hospitalization as long as both the outpatient treatment and inpatient care occurs through Medicare-approved providers. You may be responsible for various deductible and coinsurance when utilizing Medicare for mental health therapy or related medications. Learn more about Medicare and mental health therapy.
Medicare Coverage and Disabilities
Disabled individuals—regardless of age—are eligible for Medicare benefits as long as they are receiving Social Security disability. Typically, most disabled individuals must have collected Social Security disability for at least 24 months but there are certain disabilities (like ALS) that qualify for immediate benefits. There will still be some out-of-pocket expenses such as copays and deductibles. Enrolling in a Medicare Supplement Insurance plan or a Medicare Advantage plan is something to consider if you or a loved one have a disability.
Long-Term Care, Skilled Nursing and Hospice Coverage
When it comes to long-term care, in general, Medicare does not provide benefits. Medicare does not cover custodial non-medical assistance such as bathing, grooming, and monitoring of medication. Original Medicare will pay for expenses associated with hospital care, doctor services, and medical supplies while living in a nursing home, while Medicare Part D can also be used to pay for drugs while in the care of a nursing home.
When it comes to skilled nursing facilities, Medicare does offer some benefits and Part A provides significant coverage related to hospice care. Learn more about Medicare and how it impacts long-term care, skilled nursing and hospice.
Medicare Coverage and Diabetes
When it comes to Medicare coverage for diabetes, both diabetic supplies and services are covered. Medicare Part B and Medicare Advantage plans are both viable options for this coverage, while Medicare Part D can also provide benefits as long as the drugs are ordered by a Medicare-participating physician. You’ll likely be responsible for various deductibles and coinsurance for services and supplies, and as a result, many diabetic patients covered by Original Medicare choose to add one of the Medicare Supplement Insurance plans to help cover the costs associated with this disease.
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