If you are a retiree under age 65, you may still have these coverages in the FCA plan. But, if you are age 65+ or otherwise do not have these coverages, this information is for you
For some retirees, the premium cost of these coverages, plus the plans’ copays and deductibles, do not make having coverages a good decision. Do your own math and make the decisions that fit you best.
Whether or not you have any insurance coverage, some of the information below will be of help for you.
- 1. Oral Health is Overall Health
Dental care isn’t just about keeping a bright smile. Poor oral health has been linked to serious conditions such as heart disease, diabetes, and even cognitive decline. Regular check-ups, cleanings, and early treatment for dental issues can prevent more severe (and expensive) problems down the road.
- Vision Care is More Than Just Getting Glasses
Our eyesight naturally changes as we age, increasing the risk of medical conditions like glaucoma, cataracts, and macular degeneration. Annual eye exams not only ensure that you have the right prescription for your glasses or contact lenses but also detect early signs of serious eye diseases.
Making the Most of Your Supplemental Health Coverage
- 1. Understand Your Plan
Not all plans offer the same benefits. Take the time to review what’s covered under your Medicare Advantage Plan or supplemental insurance. Look for details on:
- Preventive care coverage (exams, cleanings, x-rays)
- Major dental procedures (crowns, dentures, implants)
- Eyeglasses and contact lens allowances
- Coverage for specialists and surgical procedures (these may be under your medical plan)
- Take Advantage of Preventive Care
Many plans fully or mostly cover annual exams, basic cleanings, and routine eye tests. Don’t skip these visits—they are your first line of defense against bigger health issues.
- Use Your Benefits Before They Expire
Many of these plans operate on an annual basis, meaning if you don’t use your full benefits and maximum allowances, you lose them. Schedule appointments early and make use of covered services before the end of the year.
- Ask About Discounts and Provider Networks
Some plans offer discounts if you visit in-network providers. Before booking your next appointment, check with your insurer to see if you can save by choosing your own or even by going to another specific dentist or optometrist.
- Consider Additional Coverage if Needed
If your current plan doesn’t cover everything you need, explore additional dental and vision insurance options. Some standalone plans or discount programs can help reduce out-of-pocket expenses.
Final Thoughts
Dental and Vision care are essential to maintain overall health and quality of life in retirement, even if you have no supplemental health coverage. If you do have these coverages, stay informed and make the most of them, so you can save money, prevent serious health issues, and ensure peace of mind as you enjoy your retirement years.
Don’t wait until a problem arises—schedule those checkups today and protect your health for the future!
...with Edits and Modifications
Insurance Committee Blog
If you are a retiree under age 65, you may still have these coverages in the FCA plan. But, if you are age 65+ or …
