Field Work

Retirees Can’t Afford Hearing, Dental Care

Hearing loss can amplify cognitive decline by isolating retirees and forcing them to divert precious brain power to participate in a conversation. People who lose teeth have trouble eating, sacrificing their health. And poor vision, uncorrected by cataract surgery or the proper magnification in eyeglasses, is dangerous when driving at night.

These problems are facts of aging. But Medicare doesn’t cover their often-expensive solutions such as hearing aids, dental implants, or eyeglasses. A report by the Kaiser Family Foundation identified a gap between need and access is wide.

Among the 16 percent of Americans over 65 who said in a survey that they couldn’t get hearing, dental or vision services, nearly three out of four couldn’t afford them.

Three charts, based on Kaiser’s analysis of the survey data, show the average out-of-pocket spending for hearing and dental care was around $900 for the Medicare beneficiaries who used the services in 2018. The cost of vision care was significantly less, averaging $230.

Retirees usually don’t need all three services in a single year. For example, dental implants cost thousands of dollars, and an individual might get one or two in a lifetime. But when retirees do get the expensive dental care, a new Kaiser report shows the bill can really pack a wallop – and become an obstacle to getting the necessary care.

Medicare vs AdvantageMedicare Advantage plans are a rapidly growing share of the insurance market in part because they frequently cover hearing, dental and vision services – sometimes for free. But the majority of Medicare recipients do not have Advantage plans.

The plans’ coverage for the services also frequently have a dollar limit or frequency limit. Nevertheless, Kaiser’s report shows that people who choose Medicare Advantage over traditional Medicare will save more than $200 on hearing and dental care in a single year. The tradeoff is that Advantage plans tend to require higher annual out-of-pocket spending for medical care than traditional Medicare.

The Biden administration hopes to add hearing, dental and vision care to traditional Medicare. If the proposal passes the House and Senate – and that’s a big if – more retirees will be able to get the services that are critical to their well-being.

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6 Responses to Retirees Can’t Afford Hearing, Dental Care

  1. Ken Pidcock says:

    “But the majority of Medicare recipients do not have Advantage plans.” Insurers are working mightily to “correct” that.

  2. Brian says:

    We purchased our own dental and vision plan when we retired 11 years ago and still have that separate joint policy now that we’re on original Medicare. (It’s not that expensive, only $85.74/mo for both coverages for the two of us.) If Medicare Advantage (MA) plans want to include that coverage, retirees should simply purchase those MA plans.

    • Ka Gi says:

      Could you please name your insurer? Is the cost so low because you received coverage 11 years ago?
      Thanks in advance-
      KG

  3. High out of pocket costs impact health in a very negative way. Studies have shown that high-risk patients avoid recommended care and/or skip medications quite often and that this results in increased hospitalization and even death. One easy fix to the hearing issue is to make hearing aids available off-the-shelf, which would dramatically lower costs.

  4. Janet Brazelton says:

    “…divert precious brain power…”

    What the heck?

  5. Sandra Jeanne Irwin says:

    By the time I pay higher premiums for dental, vision, and hearing, I could spend as much out of pocket for it. So that is not going to help any.

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