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Luxuries of Medicare | Dental, Vision, Hearing, Travel, & Prescription Drugs | SES - YouTube
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hi this is John Fallot with senior
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enrollment solutions today we're going
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to be discussing the luxuries of your
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Medicare your dental your vision your
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hearing and your prescription drugs your
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dental by visiting the senior enrollment
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solutions.com website simply click or
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hover over the health tab and click on
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the dental tab through the senior
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enrollment solutions website we share
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with you that there are only two
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different styles of dental coverage
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you're either purchasing a traditional
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plan or you're purchasing a fee for
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scheduled plan with a traditional plan
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generally you're lured into that plan by
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having your cleanings oral evaluations
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and x-rays covered in full however keep
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in mind you'll have a minimum waiting
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period of six months on your minor
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procedures cavities fillings extractions
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and a 12 month waiting period on your
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major procedures crowns bridges partials
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etc you have to pay a premium for six
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months or in 12 months prior to the
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carrier paying for any of those
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procedures with a traditional plan
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understand that you're limited or you're
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capped on that particular plan generally
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at a thousand or twelve hundred dollars
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per year you may have lived the horror
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stories or have heard of the horror
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stories where I needed two crowns I went
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out in February got one crown taken care
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of but then went out the following year
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and got another crown taken care of well
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why do you do this well you did it
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because you capped your insurance and
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your plans just simply no longer paying
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anything even though you're paying a
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monthly premium for that coverage with a
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fee per schedule there is no waiting
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periods there is no cap there is no
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exclusions and there is no limitations
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what you're doing is you're signing in
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essence an agreement to pay cash for
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those procedures when you visit the
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dentist office so it's a fee per
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schedule you schedule an appointment the
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dentists will know exactly what they're
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charging you you know exactly what your
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costs are prior to visiting the dentist
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office and in turn everyone knows
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exactly what the call
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there's no surprises that you capture
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insurance had a waiting period or
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anything of that nature moving on to
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vision coverage vision coverage is
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oftentimes a very mistaken coverage when
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it comes to your Medicare we do offer
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several different vision providers now
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keep in mind with vision coverage you're
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generally paying a premium of around $20
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per month to get half off of your eye
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examination and typically 40% off your
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lenses and frames 40% of retail cost is
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generally higher than what you're able
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to find your eyewear online there's a
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slew of our locations online to purchase
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your eyewear for less than $70 perhaps
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thinking outside the box will save you
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money when it comes to purchasing your
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eyewear most carriers however when it
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comes to your supplemental plans do not
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cover vision coverage at all you're
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hearing you can purchase an additional
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hearing plan typically it will have a 12
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month waiting period prior to allowing
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you to purchase any hearing aids at any
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discounted rates they want a year's
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worth of premium dollars or two years
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worth of premium dollars out of you as a
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consumer prior to covering 50% of a
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hearing aid or a hearing apparatus keep
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in mind that several prescription drug
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carriers currently include a hearing
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benefit at no additional charge it
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generally would behoove you to purchase
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your prescription drug plan with a
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carrier that includes a hearing benefit
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as opposed to spending forty or fifty
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dollars a month for a plan that's not
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going to cover more than 50% mind you it
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is capped or limited to 1500 or $2,000
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generally on what the carrier is going
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to provide you in a given year's time by
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purchasing a prescription drug plan that
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includes your prescription drug coverage
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as well as a hearing benefit may save
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you a tremendous amount of time money
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and hassle in the event you are in need
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of hearing apparatus Azure hearing aids
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your prescription drugs no I understand
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you purchased a prescription drug plan
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or will be purchasing a prescription
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drug plan however keep in mind
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throughout the year your prescription
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drug provider may no longer carry that
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medication it occurred in 2014 with
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lipitor millions of Americans on lipitor
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simply no longer had lipitor covered on
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several plans so what are your options
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well you can either pay retail costs for
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those medications you can change your
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medication but unfortunately there are
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some side effects to generics or
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purchasing a different medication you
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may ask your primary care physician if
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they have any samples then may help you
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get by for the next month or two or
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finish the year out senior enrollment
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solutions does provide you a free
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prescription drug card it is
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automatically set up at every pharmacy
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across the nation there is no cost to
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you as a consumer it is simply put in
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place to assist you in not having to pay
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full retail cost simply visit the RX
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comm Rx and zero zero five seven eightt
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website and from here we can either text
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you a card you can print a card or you
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can certainly shop for the lowest cost
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at the pharmacy once you reach the rx
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cut card website search for the lowest
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price
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enter your medications we'll just simply
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use lipitor as that was our example
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will select lipitor we'll add this
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medication to our list choose our dosage
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and our zip code
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this will allow us to see the
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least-expensive pharmacies in our area
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and what the cost will be for that
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dosage and that medication your
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traveler's insurance many consumers
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travel outside of the United States
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please keep in mind that Medicare will
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cover 80 percent up to fifty thousand
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dollars of foreign travel many Medicare
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supplemental plans do not cover foreign
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travel senior enrollment solutions
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offers the highest rated carriers to
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provide you your travelers insurance
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experience simply visit the senior
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enrollment solutions website hover over
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or click on the health tab click on the
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travelers tab and simply watch the
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interactive video for all things
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Medicare visit us at senior enrollment
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solutions comm phonus at eight seven
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seven seven seven seven five nine 72 or
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email us at customer service at senior
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enrollment solutions comm
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you
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