Krause Financial Services

If you have a loved one in a nursing home on Medicaid benefits, you probably already know that Medicaid provides very little assistance, if any, for replacement dentures, a new pair of glasses, or a broken hearing aid. Get them the benefits they need today - guaranteed.

With a guaranteed issue Dental, Vision, and Hearing insurance policy, which is available to age 84, any senior's needs can be met. With the exception of Florida, the policy works well in every state in that Medicaid allows an applicant to deduct the monthly cost of such a policy prior to determining his or her monthly co-pay to the nursing home. For this reason alone, nursing home residents should not be without such a policy.

The Dental, Vision and Hearing insurance policy provides a range of options offering the utmost flexiblity to interested seniors. Those currently on Medicaid would receive the greatest benefit from a plan with all the bells and whistles, in that the premium will simply be deducted from the monthly Medicaid co-pay. It's almost like free dentures, eyeglasses and hearing aids! Who wouldn't want that?!?

YOUR SMILE
Coverage includes dental services, performed by a licensed dentist, including one annual examination and cleaning, x-rays, fillings, prophylaxis, bridges, crowns, dentures and outpatient dental surgery prescribed as medically necessary. After the policy has been in force three months, the policy will pay the cost of one dental cleaning up to a maximum benefit of $75 each policy year. This benefit is not subject to the policy deductible; however, it is included in the policy year maximum benefit.

YOUR HEARING
Coverage includes hearing examinations performed by a physician or audiologist, including the cost of the hearing aid and any necessary repairs.

YOUR VISION
Coverage includes visits to a physician for a basic eye examination or eye refraction, including the cost of eyeglasses or contact lenses prescribed by the physician, up to a maxmimum benefit of $150 in any one policy year.

After the policy year deductible is satisfied, the provider will pay the following percentages of actual charges up to the policy year maximum benefit:

Policy year one: 60% Policy year two: 70% Policy year three: 80% Thereafter: 90%