{"id":24731,"date":"2023-10-05T23:03:54","date_gmt":"2023-10-05T23:03:54","guid":{"rendered":"https:\/\/isafespend.com\/personal-finance\/retirement\/will-switching-to-medicare-advantage-pay-for-new-glasses-probably-not\/"},"modified":"2023-10-05T23:03:55","modified_gmt":"2023-10-05T23:03:55","slug":"will-switching-to-medicare-advantage-pay-for-new-glasses-probably-not","status":"publish","type":"post","link":"https:\/\/isafespend.com\/?p=24731","title":{"rendered":"Will Switching To Medicare Advantage Pay For New Glasses? Probably Not."},"content":{"rendered":"<div>\n<p>October is Open Enrollment month. Medicare beneficiaries get a chance to make changes to their coverage. Here\u2019s a question I received recently.<\/p>\n<p>\u201cI have a retiree plan that is adequate for my medical and dental needs, but it does not cover vision care and I really need new progressive bifocals. I am considering enrolling in a Medicare Advantage plan for those benefits and continuing with the retiree plan for medical care.\u201d<\/p>\n<p>Before making the switch, there are two things this man needs to know. It\u2019s likely that the Advantage plan would become the primary payer, his coverage for anything Medicare covers. He would have to live with the benefits, costs, and rules. And, it\u2019s also very possible that he may lose the retiree coverage and not be able to get it back if he enrolls in a Medicare Advantage plan.<\/p>\n<p>Then, if he still wants to consider this idea, he can focus on vision coverage. Is it worth it to switch to Medicare Advantage?<\/p>\n<h2 class=\"subhead-embed color-accent bg-base font-accent font-size text-align\"><strong>Medicare coverage of vision services<\/strong><\/h2>\n<p>Medicare\u2019s coverage criteria establish the basics. Medicare covers these vision services:<\/p>\n<p><fbs-ad position=\"inread\" progressive=\"\" ad-id=\"article-0-inread\" aria-hidden=\"true\" role=\"presentation\"><\/fbs-ad><\/p>\n<ul>\n<li>cataract surgery using traditional surgical techniques or lasers<\/li>\n<li>glaucoma tests for those at high risk<\/li>\n<li>\u2022 eye exams for those with diabetic retinopathy, and<\/li>\n<li>certain diagnostic tests and treatment for age-related macular degeneration.<\/li>\n<\/ul>\n<p>Medicare also provides a nominal allowance for glasses or contact lenses after cataract surgery. (Just to give you an idea of what nominal means, my ophthalmologist\u2019s discount post-cataract was more than Medicare\u2019s allowance.)<\/p>\n<p>Medicare does not cover routine vision services, including eye exams, refractions, eyeglasses and contact lenses.<\/p>\n<h2 class=\"subhead-embed color-accent bg-base font-accent font-size text-align\"><strong>What to know about Medicare Advantage vision care<\/strong><\/h2>\n<ul>\n<li>Just about every Medicare Advantage plan (99%) offers vision benefits.<\/li>\n<li>The usual Medicare Advantage rules can apply. You may need to receive services from a network provider and your physician may need to get prior authorization.<\/li>\n<li>Plans can limit the services. For example, a plan may cover only one routine eye exam a year and a new pair of glasses every other year.<\/li>\n<li>And just as with dental coverage, plans likely have a dollar limit for services. I did a quick check of vision coverage for plans sponsored by the seven largest Medicare Advantage insurers. The annual limits ranged from $100 every two years to $300 a year. Kaiser Family Foundation reported that the average limit was $160 for vision care. If you want to shop online and need only single-vision eyeglasses, you might be able to find a pair for that. But, if like the man asking the question, you opt for progressive bifocals or prefer to visit an optometrist, the $160 will get you half a pair, if you\u2019re lucky.<\/li>\n<\/ul>\n<h2 class=\"subhead-embed color-accent bg-base font-accent font-size text-align\"><strong>Bottom line<\/strong><\/h2>\n<p>During Open Enrollment, dig into the plan\u2019s Evidence of Coverage and Summary of Benefits to determine exactly what vision benefits the plan provides and then check out the plan\u2019s medical coverage and costs.<\/p>\n<p>Switching to Medicare Advantage for vision coverage is not the smartest idea. You\u2019ll get a routine vision exam and maybe a pair of glasses or contact lenses but then, you\u2019ll have to live with the plan.<\/p>\n<\/div>\n<div><span>Check out\u00a0<\/span>my\u00a0website\u00a0or\u00a0some of my other work\u00a0here.\u00a0<\/div>\n<p>Read the full article <a href=\"https:\/\/www.forbes.com\/sites\/dianeomdahl\/2023\/10\/05\/will-switching-to-medicare-advantage-pay-for-new-glasses-probably-not\/\" target=\"_blank\" rel=\"noopener\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>October is Open Enrollment month. Medicare beneficiaries get a chance to make changes to their coverage. Here\u2019s a question I received recently. \u201cI have a retiree plan that is adequate for my medical and dental needs, but it does not cover vision care and I really need new progressive bifocals. I am considering enrolling in<\/p>\n","protected":false},"author":1,"featured_media":24732,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24731","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-retirement"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.12 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Will Switching To Medicare Advantage Pay For New Glasses? Probably Not. | iSafeSpend<\/title>\n<meta name=\"description\" content=\"October is Open Enrollment month. Medicare beneficiaries get a chance to make changes to their coverage. Here\u2019s a question I received recently. \u201cI have a\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/isafespend.com\/?p=24731\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Will Switching To Medicare Advantage Pay For New Glasses? Probably Not. | iSafeSpend\" \/>\n<meta property=\"og:description\" content=\"October is Open Enrollment month. Medicare beneficiaries get a chance to make changes to their coverage. Here\u2019s a question I received recently. \u201cI have a\" \/>\n<meta property=\"og:url\" content=\"https:\/\/isafespend.com\/?p=24731\" \/>\n<meta property=\"og:site_name\" content=\"iSafeSpend\" \/>\n<meta property=\"article:published_time\" content=\"2023-10-05T23:03:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-10-05T23:03:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/isafespend.com\/wp-content\/uploads\/2023\/10\/1696547034_0x0.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"News Room\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"News Room\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/isafespend.com\/?p=24731#article\",\"isPartOf\":{\"@id\":\"https:\/\/isafespend.com\/?p=24731\"},\"author\":{\"name\":\"News Room\",\"@id\":\"https:\/\/isafespend.com\/#\/schema\/person\/5b8c1c75336efaf09b163cd1eab0c9bf\"},\"headline\":\"Will Switching To Medicare Advantage Pay For New Glasses? Probably Not.\",\"datePublished\":\"2023-10-05T23:03:54+00:00\",\"dateModified\":\"2023-10-05T23:03:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/isafespend.com\/?p=24731\"},\"wordCount\":544,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/isafespend.com\/#organization\"},\"articleSection\":[\"Retirement\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/isafespend.com\/?p=24731#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/isafespend.com\/?p=24731\",\"url\":\"https:\/\/isafespend.com\/?p=24731\",\"name\":\"Will Switching To Medicare Advantage Pay For New Glasses? Probably Not. | iSafeSpend\",\"isPartOf\":{\"@id\":\"https:\/\/isafespend.com\/#website\"},\"datePublished\":\"2023-10-05T23:03:54+00:00\",\"dateModified\":\"2023-10-05T23:03:55+00:00\",\"description\":\"October is Open Enrollment month. Medicare beneficiaries get a chance to make changes to their coverage. Here\u2019s a question I received recently. \u201cI have a\",\"breadcrumb\":{\"@id\":\"https:\/\/isafespend.com\/?p=24731#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/isafespend.com\/?p=24731\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/isafespend.com\/?p=24731#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/isafespend.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Will Switching To Medicare Advantage Pay For New Glasses? Probably Not.\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/isafespend.com\/#website\",\"url\":\"https:\/\/isafespend.com\/\",\"name\":\"Solutions For Real\",\"description\":\"Latest Finance News and Updates\",\"publisher\":{\"@id\":\"https:\/\/isafespend.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/isafespend.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/isafespend.com\/#organization\",\"name\":\"Solutions For Real\",\"url\":\"https:\/\/isafespend.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/isafespend.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/isafespend.com\/wp-content\/uploads\/2023\/08\/sf-logo-1.png\",\"contentUrl\":\"https:\/\/isafespend.com\/wp-content\/uploads\/2023\/08\/sf-logo-1.png\",\"width\":690,\"height\":64,\"caption\":\"Solutions For Real\"},\"image\":{\"@id\":\"https:\/\/isafespend.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/isafespend.com\/#\/schema\/person\/5b8c1c75336efaf09b163cd1eab0c9bf\",\"name\":\"News Room\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/isafespend.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/isafespend.com\/wp-content\/uploads\/2023\/08\/avatar_user_1_1691264579-96x96.png\",\"contentUrl\":\"https:\/\/isafespend.com\/wp-content\/uploads\/2023\/08\/avatar_user_1_1691264579-96x96.png\",\"caption\":\"News Room\"},\"sameAs\":[\"https:\/\/isafespend.com\"],\"url\":\"https:\/\/isafespend.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Will Switching To Medicare Advantage Pay For New Glasses? Probably Not. | iSafeSpend","description":"October is Open Enrollment month. Medicare beneficiaries get a chance to make changes to their coverage. Here\u2019s a question I received recently. \u201cI have a","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/isafespend.com\/?p=24731","og_locale":"en_US","og_type":"article","og_title":"Will Switching To Medicare Advantage Pay For New Glasses? Probably Not. | iSafeSpend","og_description":"October is Open Enrollment month. Medicare beneficiaries get a chance to make changes to their coverage. Here\u2019s a question I received recently. \u201cI have a","og_url":"https:\/\/isafespend.com\/?p=24731","og_site_name":"iSafeSpend","article_published_time":"2023-10-05T23:03:54+00:00","article_modified_time":"2023-10-05T23:03:55+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/isafespend.com\/wp-content\/uploads\/2023\/10\/1696547034_0x0.jpg","type":"image\/jpeg"}],"author":"News Room","twitter_card":"summary_large_image","twitter_misc":{"Written by":"News Room","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/isafespend.com\/?p=24731#article","isPartOf":{"@id":"https:\/\/isafespend.com\/?p=24731"},"author":{"name":"News Room","@id":"https:\/\/isafespend.com\/#\/schema\/person\/5b8c1c75336efaf09b163cd1eab0c9bf"},"headline":"Will Switching To Medicare Advantage Pay For New Glasses? Probably Not.","datePublished":"2023-10-05T23:03:54+00:00","dateModified":"2023-10-05T23:03:55+00:00","mainEntityOfPage":{"@id":"https:\/\/isafespend.com\/?p=24731"},"wordCount":544,"commentCount":0,"publisher":{"@id":"https:\/\/isafespend.com\/#organization"},"articleSection":["Retirement"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/isafespend.com\/?p=24731#respond"]}]},{"@type":"WebPage","@id":"https:\/\/isafespend.com\/?p=24731","url":"https:\/\/isafespend.com\/?p=24731","name":"Will Switching To Medicare Advantage Pay For New Glasses? Probably Not. | iSafeSpend","isPartOf":{"@id":"https:\/\/isafespend.com\/#website"},"datePublished":"2023-10-05T23:03:54+00:00","dateModified":"2023-10-05T23:03:55+00:00","description":"October is Open Enrollment month. Medicare beneficiaries get a chance to make changes to their coverage. Here\u2019s a question I received recently. \u201cI have a","breadcrumb":{"@id":"https:\/\/isafespend.com\/?p=24731#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/isafespend.com\/?p=24731"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/isafespend.com\/?p=24731#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/isafespend.com\/"},{"@type":"ListItem","position":2,"name":"Will Switching To Medicare Advantage Pay For New Glasses? Probably Not."}]},{"@type":"WebSite","@id":"https:\/\/isafespend.com\/#website","url":"https:\/\/isafespend.com\/","name":"Solutions For Real","description":"Latest Finance News and Updates","publisher":{"@id":"https:\/\/isafespend.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/isafespend.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/isafespend.com\/#organization","name":"Solutions For Real","url":"https:\/\/isafespend.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/isafespend.com\/#\/schema\/logo\/image\/","url":"https:\/\/isafespend.com\/wp-content\/uploads\/2023\/08\/sf-logo-1.png","contentUrl":"https:\/\/isafespend.com\/wp-content\/uploads\/2023\/08\/sf-logo-1.png","width":690,"height":64,"caption":"Solutions For Real"},"image":{"@id":"https:\/\/isafespend.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/isafespend.com\/#\/schema\/person\/5b8c1c75336efaf09b163cd1eab0c9bf","name":"News Room","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/isafespend.com\/#\/schema\/person\/image\/","url":"https:\/\/isafespend.com\/wp-content\/uploads\/2023\/08\/avatar_user_1_1691264579-96x96.png","contentUrl":"https:\/\/isafespend.com\/wp-content\/uploads\/2023\/08\/avatar_user_1_1691264579-96x96.png","caption":"News Room"},"sameAs":["https:\/\/isafespend.com"],"url":"https:\/\/isafespend.com\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/isafespend.com\/index.php?rest_route=\/wp\/v2\/posts\/24731","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/isafespend.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/isafespend.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/isafespend.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/isafespend.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=24731"}],"version-history":[{"count":1,"href":"https:\/\/isafespend.com\/index.php?rest_route=\/wp\/v2\/posts\/24731\/revisions"}],"predecessor-version":[{"id":24733,"href":"https:\/\/isafespend.com\/index.php?rest_route=\/wp\/v2\/posts\/24731\/revisions\/24733"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/isafespend.com\/index.php?rest_route=\/wp\/v2\/media\/24732"}],"wp:attachment":[{"href":"https:\/\/isafespend.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=24731"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/isafespend.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=24731"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/isafespend.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=24731"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}