Dental, Vision & Hearing
Brooks Insurance Group can help you plan for all your health needs.
Dental & Vision Plans for Medicare Beneficiaries and Individuals Under 65
Health insurance often offers valuable coverage for many medical needs, but dental, vision, and hearing care can be limited, particularly under standard Medicare. Whether you're a senior over 65 or a younger adult with a disability or chronic condition, it's important to understand what’s covered and what options are available for additional benefits.
추가 치과, 시력 및 청력 보장 옵션
To address these gaps, individuals of all ages, whether enrolled in Medicare or private insurance, can explore additional coverage options:
Medicare Part C (Medicare Advantage)
For Medicare beneficiaries, Medicare Advantage plans often include additional dental, vision, and hearing benefits, such as:
- Routine exams, cleanings, fillings, and dentures
- 안경, 콘택트렌즈, 눈 검사
- 청력 검사 및 보청기
독립형 보험 플랜
메디케어 가입자와 비 가입자 모두를 위해 민간 보험사는 다음과 같은 독립형 플랜을 제공합니다.
- 치과(정기 세척, 엑스레이, 충전)
- Vision (eye exams, glasses, contacts)
- Hearing (screenings, hearing aids)
이러한 보험은 메디케어 가입 자격이 없지만 저렴한 보험을 원하는 65세 미만의 사람들에게 도움이 됩니다.
Discount Plans
Dental, vision, and hearing discount plans are available for all ages. These are not insurance but provide discounts for services through participating providers—an affordable alternative for those without employer-sponsored benefits or who need extra help covering routine care.
What’s Typically Covered by Medicare
메디케어 파트 A(병원 보험)와 파트 B(의료 보험)는 치과, 시력, 청력에 대한 제한적인 혜택을 제공합니다. 다음과 같은 특정 의료 상황에서만 보장이 적용될 수 있습니다.
- Eye exams for diabetic retinopathy
- Cataract surgery and post-surgery corrective lenses
- Diagnostic hearing and balance exams ordered by a doctor
- 병원 입원 중 응급 치과 치료
However, routine care—like dental cleanings, eyeglass prescriptions, and hearing aids—is typically not covered and may require separate coverage.
What to Consider When Choosing a Plan
When selecting a dental, vision, or hearing plan, consider your current and future health needs, such as ongoing treatments or anticipated care. Review what each plan includes—like exams, devices, and provider access—and check whether your preferred doctors are in-network. It's also important to compare premiums, copays, and total costs, and ensure the plan gives you access to local providers. For Medicare Advantage, enrollment changes can be made during the Annual Enrollment Period (October 15 to December 7), while private plans may offer more flexible timing.
Add dental, vision, or hearing coverage. Ask a broker about your options ➜