Page 18 - Cover Letter and Evaluation for Paul Stelter
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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 discount plans
Dental PPO plans
are the least costly offer flexibility but do not provide as
comprehensive also usually have much protection.
coverage, with Typically you pay an
annual premiums in higher premiums and annual fee (say $100)
the $350-$500 range. co-payments. If you to qualify for dental
A few dental HMO go outside the PPO service discounts.
plans have no annual network, you will pay These plans can be
out-of-pocket a percentage, e.g., used in place of
maximums. 25%, of the total cost. 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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