Are Medicare Advantage programs worth it for you? Every senior has different healthcare needs, but anyone who is trying to keep the following resolutions should consider what Medicare Advantage programs have to offer instead of solely relying on original Medicare. Signing up for a Medicare Advantage program could not only save you money, it could help you live better, feel good and stay healthy longer.
Resolution #1: Take Care of Your Teeth
When was the last time you went to the dentist for a regular bi-annual check-up? It doesn’t matter how old you are or the condition your teeth are in – everyone needs to see the dentist at least twice a year for a cleaning and dental exam, but seniors may try to avoid these appointments. Why? The reason is simple. Original Medicare doesn’t include dental coverage.
If you don’t have the cash to pay for a dental exam outright, you could put off your visits. Did you know this also puts your whole-body health at risk? If you don’t receive prompt treatment for dental conditions like gum disease, it increases your chances of developing heart disease, diabetes, dementia and more. Researchers believe inflammation and oral bacteria that escapes into the bloodstream contribute to this risk.
Resolution #2: Examine Your Eyesight
The American Optometric Association recommends that adults age 60 and over visit the eye doctor once a year for an annual exam. It is important that eye conditions are detected and treated in their earliest stages. This gives you the greatest chance of retaining good eyesight for years to come.
Age is a major risk factor for the following eye conditions:
- Age-related macular degeneration
- Dry eye
- Retinal detachment
If you want to continue driving and living independently late in your retirement years, taking care of your vision is essential. While original Medicare doesn’t cover eye doctor visits, there are many Medicare Advantage programs that do.
Resolution #3: Cap Your Out-of-Pocket Expenses
Original Medicare offers a high level of flexibility – you can visit any doctor or hospital in the entire U.S., as long as they accept Medicare. However, you have to deal with the disadvantages of this plan as well, and one of the major problems for many seniors is that original Medicare doesn’t put a cap on annual out-of-pocket expenses.
If at any point during the next year you need expensive care, wouldn’t it be a relief to know that you will only pay out-of-pocket up to a certain limit? Medicare Advantage programs offer this type of coverage and you can find a plan that will help you stay within a predetermined budget for the upcoming year.
Talk to My Senior Health Plan about the options open to you and review all of the Medicare Advantage programs available. With experienced guidance and helpful advice, you can find a plan that fits your unique health and wellness needs and helps you keep these resolutions in 2017.