Guest Post: By Jason Lewis from www.StrongWell.org
Heart disease and cancer are the leading causes of death in people over 65, and quality of life and quality of care play a big part in how these serious medical concerns will impact you. That’s why seniors who want to live their healthiest life in their golden years need to understand the power — and the limitations — of their healthcare plan.
For example, Traditional Medicare won’t cover vision, dental and prescription medications, and it’s coverage of in-home care is limited. That’s why many seniors enroll in Medicare Advantage plans. Provided by private health insurance companies, Medicare Advantage gives seniors peace of mind with more comprehensive coverage. For example, these plans offer coverage for vision, dental, wellness programs, prescription drugs and fitness centers. Let’s take a closer look at how this healthcare coverage can address common concerns for people 65 and older.
Dental Health Over 65
Doctors provide compelling evidence that links dental health to a plethora of other health concerns, from depression to heart disease. These rates and risks spike substantially for seniors, which is why many add this coverage to their traditional Medicare plan. For example, some medications have negative side effects for oral health, like dry mouth and even cavities. Gum disease is also a major concern for older adults. Since many people don’t feel pain or discomfort until gum disease is in its advanced stages, many seniors don’t realize they have it. The dental coverage in Medicare Advantage plans vary from annual cleanings to more comprehensive treatments, including reducing out-of-pocket expenses associated with partial and full dentures. If it’s been over a year since your last cleaning, you should find a dentist and schedule a checkup.
Seniors and Vision Health
Eyesight is a common concern for seniors, as there are certain kinds of vision diseases and disorders that happen due to age. It’s natural for our vision to change as we age, so it’s natural for seniors to need vision care even though they may have spent the majority of their lives with healthy eyesight. Some common age-related vision conditions include presbyopia (difficulty focusing), cataracts (clouding of the lens), glaucoma (build up of fluid) and macular degeneration (leading cause of blindness in seniors). Medicare Advantage plans give seniors an opportunity to maintain their eye health and see specialists when something feels off, without having to worry about covering the full cost of an expensive procedure.
Fitness for Seniors
Physical activity is one of the leading ways seniors can positively impact their physical and mental health. And, the good news is, it’s never too late to start. If you have lived a relatively sedentary life, you may think that working out now won’t help much. But it’s time to think again. Exercise now can not only prevent major illness and injury, but in some cases it can even undo some of the damage caused in your younger years. There have been many documented cases of seniors being able to reverse their type 2 diabetes diagnosis just through diet and exercise. With Medicare Advantage plans, many seniors get access to Silver Sneakers programs, which are special fitness classes aimed at people 65 and over. You can also get free memberships to thousands of gyms and fitness centers across the country.
Medicare is so complex; it’s no wonder some seniors shy away from understanding it. Grateful even for basic coverage, they sign up for it but their interest stops there. And it’s not surprising — Medicare is confusing, complicated and challenging. But if you want to be in control of your physical and mental well-being, knowing what is (and isn’t covered) is exactly where you need to start. Knowing the gaps in your coverage can help you decide if you need more help.