Dental, Vision and Hearing Coverage for Medicare Beneficiaries in Albuquerque
What it is
Original Medicare and Medigap plans don't pay for routine dental cleanings, fillings, dentures, eye exams for glasses, or hearing aids. Standalone dental, vision and hearing plans fill that gap. They're sold by private carriers, most bundle all three benefits into one monthly premium, and they work alongside either a Medigap plan or a Medicare Advantage plan. Coverage is usually a yearly maximum benefit with coinsurance for major work, plus an allowance for glasses and hearing aids. Medigap Options compares the plans available in New Mexico by network, waiting periods and yearly maximum, because those three things decide whether a plan is actually worth its premium.
Book a Free ConsultationWhen it makes sense
These plans matter most for people who chose a Medigap plan and gave up the dental extras an Advantage plan would have included, for anyone facing a crown, implant or dentures in the next year or two, and for people who are starting to need hearing aids, which can run several thousand dollars a pair. They're also worth a look if your Advantage plan's dental benefit is small or its dentist network doesn't include the one you've seen for years. A good plan lets you keep your own dentist in Albuquerque and pays a meaningful share of the big-ticket work, not just cleanings.
What you need to enroll
There's no Medicare enrollment period for these plans; you can buy one any time of year. Doug will ask which dentist and eye doctor you use, whether you expect major dental work soon, and whether you already wear hearing aids, then show you two or three plans that fit. Some plans have waiting periods for major services, so if you know work is coming, starting the plan early saves money. Premiums start around the cost of a monthly cell phone bill, and there's no fee to enroll through Medigap Options.
Get Your Free Consultation
Tell Doug where you are with Medicare and he will personally reach out. No cost, no obligation.