If you have health insurance, chances are good that you expect it to be a shield against costs that can quickly eat up your savings. However, if you're a senior, you may find that both Medicare and whatever personal health insurance you have may not cover some things you may need. Here are some examples of things that most health insurance policies don't cover.
When we think of health care, we tend to lump it all into one, big pile. However, it's important to remember that most insurance (including Medicare) simply doesn't cover your dental needs. This gap in coverage can be a problem if you need fillings, extractions, root canals, or even dentures.
2. Eye Exams and Glasses
While Medicare Advantage plans and some private health care plans may cover some of your vision needs, they often don't cover the items you actually need in order to see. A senior's eye exam and the actual contacts or glasses may only be partially covered. As such, read the fine print to make sure you know what your out-of-pocket costs are.
3. Nursing Home Care
Medicare and private insurance often help cover the costs if you require skilled care (care that can only be provided by trained personnel, like a nurse). However, if you just need to live in a senior community, you may find yourself footing the bill for it. Make sure you know the kind of care you can get depend on your insurance covering.
4. Hearing Aids
While most of the plans seniors may have cover hearing tests and exams, almost none of them will pay for hearing aids. Insurance companies define hearing aids as elective devices. Seniors might consider them necessary for living a fuller life, but insurance doesn't typically pay for them.
5. Out-of-Network Doctors
If you've had private insurance, then you're aware of the constant checking to be sure the hospital or care facility you're using is part of your network. But even if you go to an in-network hospital, you may still be stuck with the bill if you received care from an out-of-network doctor.
If your eyes could be improved by LASIK eye treatments, you will have to pay for the procedure yourself. Much like hearing aids, insurance companies view LASIK as an elective procedure, especially with much cheaper alternatives to correct vision.
Many of the issues of aging can be solved by providing parents with the support they need to continue to maintain their independence. The resources provided by Caring Senior Service can help. Get in touch with us today!