When you retire or become disabled, you gain access to Medicare insurance. This coverage may pay for some of your healthcare services, such as checkups and vaccinations. However, it typically does not cover miscellaneous yet vital services that you need to stay healthy during your retirement or after you are no longer able to keep working.
Without some type of supplemental policy, you could face paying for these services out of your own pocket. You can get some or all of them covered for you by investing in a Medicare Advantage plan that acts as secondary to your primary Medicare insurance.
When you experience poor vision because of aging, illness, or injury, you need to see your eye doctor at least once a year. This care is vital for preventing the total loss of your vision. An eye doctor also can detect if you develop new conditions, such as cataracts, that may require surgery.
An eye doctor appointment can cost you hundreds of dollars out-of-pocket. Medicare alone may not pay for any of these costs for you and may not cover extra expenses, such as new glasses or surgery. Instead of paying for them on your own, you can opt for a Medicare Advantage plan that is added on to your Medicare insurance. This supplemental coverage may pay for most or all of your vision care costs.
Medicare alone also typically does not pay for dental expenses beyond a yearly checkup and teeth cleaning. It will not pay to have your dentures adjusted or new dentures made for you. It also will not pay for partials, implants, or other vital services that you may need to take care of your oral health.
As with vision care, dental care can cost hundreds or thousands of dollars out of your own pocket. When you sign up for a Medicare Advantage plan, however, you may gain access to dental coverage that you need to keep your mouth healthy. You can choose one that offers dental coverage and use it to see your dentist once a year and access services to protect your teeth and mouth.
Medicare by itself pays for some of your medical expenses after you retire or become disabled. However, it may not pay for miscellaneous services, such as dental or vision care, that you need to stay healthy. You can subscribe to a Medicare Advantage plan to cover these services' costs.