Page 16 - Cover letter and evaluation for Paulina Rosenstein

Dental and Vision Coverage

Medicare does not cover routine dental and vision care, but some Medicare Advantage plans do,
often for an additional premium. Medicare does cover diseases of the eye such as cataracts and

glaucoma. The types of commercially sold dental and vision plans are reviewed below.

Types of dental plans

Dental HMO plans Dental PPO plans Dental discount plans
are the least costly offer flexibility but do not provide as

comprehensive also usually have much protection.
coverage, with higher premiums and Typically you pay an
annual premiums in co-payments. If you annual fee (say $100)
the $350-$500 range. go outside the PPO to qualify for dental

A few dental HMO network, you will pay service discounts.
plans have no annual a percentage, e.g., These plans can be

out-of-pocket 25%, of the total cost. used in place of
maximums. insurance.

What to consider when choosing dental coverage

Check with your dentist to get The largest dental insurers are Delta
suggestions and find out which plans Dental (marketed by AARP), Metlife,
he or she accepts. Aetna, and CIGNA.

If you decide to purchase a Some advisers recommend that

comprehensive dental plan, take into retirees self-insure their dental costs,

account the plan's deductible, its which may save money over the long

maximum payout, and any exclusions run. This approach can be effective,

(such as for implants). Many plans will particularly for people whose teeth

not cover expensive procedures unless are in good condition. But it can also

you have been in the plan a year. discourage preventive care.

Regardless of the type of coverage you If your dental health is good, you
choose, you should get quotes from might consider a preventive policy to
more than one insurance company. cover teeth cleanings and exams.

Types of vision coverage

You may need coverage for routine vision exams and eyeglasses (diseases of
the eye are covered by Medicare). The two types of coverage are 1) vision
benefits packages with deductibles and co-pays; and 2) vision discount plans.

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