Supplemental Coverage Plans

Supplemental medical options are additional insurance policies that help cover expenses not typically included in standard health insurance plans.

One of the noticeable gaps in benefits with Medicare is dental, vision, and hearing coverage. Medicare does not cover routine exams, hearing aids, eyeglasses, or dentures. For many seniors age 65 and older, additional insurance is necessary to cover the costs for preventive visits and assistive devices.

Dental care impacts our overall wellbeing, and cleanings every six months allow for proper upkeep and prevention of gum disease. Many aging adults need yearly visits to assess their eyesight as degenerative conditions may come on quickly, and early diagnosis aids treatment. Hearing also gets weaker as we age, and hearing aids can be pricey in the range of $1500 per earpiece. Without coverage, you will be responsible for the full amount of your hearing services and products. Insurance will cover at least a portion of these expenses, which will ease the impact on your fixed income.

Most hearing, dental and vision coverage plans are better yet in that they do not have networks. Basic exams are covered immediately, and you can choose your own providers. These plans are often guaranteed renewable until age 85, meaning you keep the same coverage year after year as long as you pay your premiums.

Supplemental coverage can help with out-of-pocket costs like deductibles and copayments. Teton Medicare can assess your needs

Our supplemental options include plans for dental, vision, hearing and coverage for certain types of cancer. The right mix depends on your individual needs.

Dental coverage typically includes routine dental cleanings as well as procedures such as cavity fillings, root canals and related dental procedures. Also covered are bridges, crowns, and dentures. Often this insurance can be used immediately, with no waiting periods for preventive or basic services. Vision plans cover routine eye exams or eye refraction, as well as eyeglasses and contact lenses. Some plans have coverage for cataract surgery or treatment for glaucoma. Hearing benefits cover hearing exams, hearing aids, and necessary repairs or supplies.

Cancer insurance often comes in the form of a lump sum of cash payments that you can use as you wish toward expenses related to your cancer treatment. It is best to purchase coverage before you have cancer for the highest probability of acceptance. If you are currently employed, you may be guaranteed to be accepted. Most plans are guaranteed renewable, meaning you can retain the coverage year after year regardless of changes in your medical history.

Cancer involves medical bills, time off from work for treatments, living expenses, copayments, deductibles, hospital stays, diagnostic tests, treatments and procedures, and prescriptions in addition to transportation to and from appointments.

Cancer insurance plans often have an express payment for initial diagnosis and recurring instances of cancer. The funds provided by your insurance may be used as needed to cover your expenses. Other plans have coverage benefits for wellness screenings and tests. Plans may also cover surgery, radiation, therapy, and transportation for treatment and family lodging.