How Do You Know If Dentists and Eye Doctors Accept Medicare Insurance?


Quick Answer

Most dentists and eye doctors accept Medicare, as long as the plan covers these costs. Regular Medicare coverage does not cover most vision and dental medical costs. Only an extra Medicare insurance coverage plan, such as Medicare Advantage, which is contracted with a private insurance company that works with Medicare, will cover most of the costs incurred with eye and dental exams and services.

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Full Answer

When Medicare was first launched in 1966, it did not include dental. In 1980, an amendment to the original Medicare act was created to allow Medicare coverage for inpatient hospital dental services. Vision services were not included.

There are several components to Medicare. The basic pieces are Medicare Part A that covers in-hospital costs, skilled nursing facility care, nursing home care, hospice and home health services. Also, there is Medicare Part B that covers two types of services which are medically necessary to diagnose or treat a medical condition and some preventive services. Part B also covers ambulance services, mental health, inpatient and outpatient services, partial hospitalization and getting a second opinion before surgery, as well as limited outpatient prescription drugs. Finally, there is Medicare Part D that is the prescription drug coverage also contracted through a private insurance company.

To get coverage for medical services not covered by Plan A and Plan B, an additional plan can be purchased through private insurance companies that partner with Medicare, called Medicare Advantage plans. This plan offers extra coverage such as vision, hearing, dental and/or health and wellness programs.

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