Think Your Health Insurance Has You Covered? 3 Things You May Need to Buy Yourself
If you think that your health insurance is going to pay for everything you need, you are likely very, very wrong. Sure, those monthly health insurance premiums are expensive – but they may not cover certain ailments, treatments, and scenarios that pop up.
If you want to save yourself a lot of money and frustration later, look into buying these 3 things:
1. Medicare supplemental insurance
If you think that all of your needs will be covered under Medicare, think again. If you go to a chiropractor, need a hearing aid, or need in-home nursing care, chances are Medicare won’t pay for any of it. That’s why so many people choose to take advantage of Medicare supplemental insurance.
With it, you buy a separate insurance policy from a private insurance company. Medicare supplemental insurance policies are specially-designed to cover things that your Medicare benefits do not. That way, you don’t have to worry about buying “double coverage".
Paying the monthly premiums on a Medicare supplemental insurance plan now can save you a ton of money down the road. After all, you never know when you’re going to fall victim to an ailment or a situation that isn’t covered by Medicare. The last thing you want is to run the risk of financial ruin!
2. Dental insurance
Not only is dental insurance not covered by Medicare, but it’s also not part of most private health insurance plans either. So, unless you go out and buy your own separate dental insurance policy, you’re going to have to foot the entire bill for your routine cleanings, x-rays, cavity fillings, and root canals.
Luckily, dental insurance doesn’t have to break the bank. If you do your homework, you can find a policy online that may only cost a few dollars a month. And, if you need coverage for your wife and kids, there are plenty of dental insurance companies that offer family plans at an affordable rate.
3. Vision insurance
When’s the last time you got your eyes checked or bought new glasses? Both of these things may be necessities, but they’re also expensive. And, if you’re counting on your health insurance plan to foot the bill, think again!
Most health insurance plans do not include vision insurance – meaning that it’s up to you to find your own private policy if you want the coverage. Like dental insurance, you can usually find good deals on vision insurance online that come with low monthly premiums and family plans.
And, luckily, many dental and vision insurance plans can be bundled together. In fact, buying them both together can actually save you money on both policies!