​​​​​​​Dental, Vision, and Hearing Care

Medicare is a lifeline for retirees, but it’s far from all-inclusive. In fact, some important healthcare needs - like dental, vision, and hearing care - aren’t covered by default. And while these services might not seem critical at first glance, neglecting them can lead to more significant health issues (and expenses) down the road.

So, what are your options for covering these essential services in retirement? Let’s explore how you can fill in the gaps and keep your dental, vision, and hearing health on track.

Why Medicare Doesn’t Cover Everything

Original Medicare was designed to cover major medical needs, like hospital stays, doctor visits, and surgeries. But when it comes to dental, vision, and hearing care, Medicare’s philosophy has always been that these are “non-essential” services. Unfortunately, anyone who’s ever had a toothache or struggled with hearing loss knows that’s not the case.

The costs for these services can add up quickly, especially as you age. Vision loss, hearing impairment, and dental issues are all common in retirement, and many seniors find themselves shelling out significant amounts of money just to maintain their quality of life.

Dental Care: What to Expect

Let’s start with dental care. Maintaining healthy teeth and gums becomes even more critical as you age, and dental problems can escalate into more serious health issues if left untreated.

But here’s the catch: Medicare doesn’t cover routine dental care. That means no coverage for checkups, cleanings, fillings, or dentures. If you need dental work, you’ll pay out-of-pocket unless you have additional insurance.

So, what are your options for covering dental care in retirement?

Medicare Advantage Plans with Dental Coverage

One option is to choose a Medicare Advantage plan that includes dental benefits. Many Medicare Advantage plans bundle dental, vision, and hearing coverage. These plans often cover preventive services like cleanings and X-rays and more advanced care like fillings, crowns, and dentures.

The catch? You’ll likely have to stay within a network of dentists, and coverage may not be as comprehensive as a standalone dental plan. Still, it’s a good option if you prefer an all-in-one package.

Standalone Dental Insurance

If you don’t want to switch to Medicare Advantage, you can always purchase a standalone dental insurance plan. These plans are similar to what you may have had before retirement, offering coverage for regular checkups and more extensive procedures.

Premiums can range from $20 to $60 a month, depending on the coverage you choose. Before committing, be sure to review the plan’s network of providers and any waiting periods for certain services.

Discount Dental Plans

A more affordable alternative is a discount dental plan. While it’s not insurance, these plans provide discounts on dental services at participating providers. You’ll pay a low annual fee for access to reduced rates on everything from cleanings to crowns.

This option can save you money if you don’t need extensive dental work but still want to pay less for routine care.

Vision Care: Keeping Your Eyes Healthy

Vision problems are common as we age. From cataracts to macular degeneration, many retirees find themselves needing regular eye exams and treatments. Unfortunately, Medicare doesn’t cover routine vision care, such as eye exams, glasses, or contacts.

If you need help paying for vision care, here are a few ways to fill the gap:

Medicare Advantage Plans with Vision Coverage

Like dental care, Medicare Advantage plans often bundle vision coverage. These plans may cover routine eye exams, glasses, and contacts. Some plans even offer discounts on corrective surgeries like LASIK.

The downside? You’ll need to stay within the plan’s network, and coverage for vision services may be limited. Be sure to read the fine print.

Vision Insurance

If Medicare Advantage doesn’t appeal to you, or if you prefer Original Medicare, you can buy a standalone vision insurance policy. These plans typically cover routine eye exams and offer allowances for glasses and contact lenses.

Premiums for vision insurance tend to be fairly low, ranging from $10 to $30 a month, depending on the level of coverage. This option can be wise if you wear glasses or contacts regularly.

Discount Programs

Some retirees opt for discount vision programs, which work much like discount dental plans. You’ll pay an annual fee for access to reduced rates on eye exams, glasses, and contacts. It’s not insurance, but it can lower your out-of-pocket costs significantly.

Hearing Care: Hearing Aids and More

Hearing loss is one of the most common health issues facing retirees. Yet, Medicare doesn’t cover hearing exams, hearing aids, or fittings. This expense can be a significant financial burden, as hearing aids can cost anywhere from $1,000 to $6,000 per pair (though prices are coming down in recent years).

But there are ways to manage the cost of hearing care in retirement:

Medicare Advantage Plans with Hearing Coverage

Again, Medicare Advantage plans can come to the rescue. Many of these plans include hearing benefits, covering hearing exams, and offering partial or complete coverage for hearing aids. You may have to pay a portion of the cost out-of-pocket, but it’s a big help compared to paying the full price.

Standalone Hearing Insurance

While less common, some companies offer standalone hearing insurance. These policies typically cover hearing exams and provide allowances for hearing aids. You’ll pay a monthly premium, but the coverage can save you thousands of dollars on hearing aids.

Discount Programs and Clinics

If insurance isn’t an option, consider exploring discount programs or hearing aid clinics. Some organizations offer hearing aids at reduced prices, and many hearing centers provide payment plans to help spread out the cost.

Some non-profit organizations, like the Hearing Loss Association of America, also provide resources and guidance on finding affordable hearing aids.

The Takeaway

Dental, vision, and hearing care may not be the first things you think of when planning for retirement, but they can significantly impact your quality of life. Ignoring these needs can lead to more significant health problems later, making it essential to have a plan in place.

Start by reviewing your current coverage and identifying any gaps. If you’re approaching retirement, look into Medicare Advantage plans or standalone insurance policies that can help cover these services. Even if you don’t need them now, you’ll likely need them in the future.