Dental and vision discount clubs help fill the Medicare gap.
Online PR News – 03-December-2012 – Cincinnati, Ohio – Medicare recipients have until the end of this week to make changes to their current selections. During the open enrollment period, which ends December 7th, those receiving Medicare coverage can shop around for plans that best suit their needs and their pocketbook. Many turn to supplemental plans from private insurers to help cover items not included under Medicare Parts A & B, such as dental and vision and even hearing aids.
Depending on the Medicare supplement and the cost of the supplement, some may find it advantageous to join a health care discount club or couple a discount club with a Medicare supplement. What's the difference?
· Medicare supplement plans from private insurers are insurance plans that often have waiting periods, annual maximums, deductibles and restrictions on coverage.
· Members of discount clubs pay one low annual fee, and are eligible the same day for discounts services and products from participating providers. There are no waiting periods, you can use your membership as often as you like and there are no health restrictions to join.
You also can join a discount club or program at any point in the year. So, if you need something to supplement your Medicare supplement due to waiting periods or because you’ve exhausted your annual maximum, a discount club could be a cost-effective solution. If the cost of a Medicare supplement outweighs the savings, then a discount club might make sense.
Dental and Vision Extras, a Cincinnati-owned discount club featuring national networks and discounts on dental, vision and hearing was formed by insurance companies that understand where insurance is a good solution and when an alternative like a discount club is optimal, explains Allison Dubbs, spokesperson for Dental & Vision Extras.
“We offer a Q&A for people trying to decide which option to choose at http://www.dentalandvisionextras.com/eye-insurance.aspx,” she said. “Most discount plans have national networks, so you can use it wherever you travel throughout the year. Also, for Extras and a few other discount programs, the definition of family is more generous than traditional insurance plans. So, if a senior is living with friend or relative not considered immediate family or the senior is raising a grandchild, these persons could be included in a family membership.”
Dubbs also points out that one of the singular advantages of discount clubs like Dental and Vision Extras is that these programs are easier for most people to understand because they are so straightforward. “At dentalandvisionextras.com, you can search for participating providers by Zip Code. Then, pay a discount at the time of service. There's no paperwork or claims, and no co-insurance to calculate.”
To learn more about Medicare's open enrollment period, go to www.medicare.gov. For more information on Dental and Vision Extras, visit dentalandvisionextras.com.