Medicare Advantage plans attract retirees with extra perks beyond standard coverage. From dental and vision to gym memberships, add-ons look like valuable bonuses. But not all extras provide the same return on investment. Some save retirees thousands, while others deliver little benefit. Knowing which to keep—and which to drop—makes all the difference.
1. Dental Coverage Can Be a Lifesaver
Dental expenses add up quickly in retirement. Medicare Advantage dental add-ons that cover cleanings, fillings, and even dentures often pay for themselves. Retirees with ongoing dental needs should strongly consider keeping this option. Oral health impacts overall wellness, making coverage even more valuable. Dropping dental is a costly mistake for many.
2. Vision Add-Ons Offer Predictable Savings
Eyeglasses, exams, and corrective lenses are rarely covered under Original Medicare. Advantage vision benefits provide discounts or allowances that save retirees hundreds annually. For those with changing prescriptions, this add-on is worth keeping. Clear vision directly impacts independence. Vision coverage is one of the most practical extras.
3. Hearing Benefits Are More Than Convenience
Hearing aids and exams can cost thousands out of pocket. Medicare Advantage hearing add-ons offset these costs with subsidies or discounts. Retirees experiencing even minor hearing loss benefit most. Hearing coverage improves communication, safety, and quality of life. This is an add-on that pays back many times over.
4. Transportation Benefits Depend on Lifestyle
Some plans cover rides to medical appointments. For retirees without reliable transportation, this add-on is invaluable. But those who drive themselves or live near transit may never use it. Paying extra for unused services drains budgets. Transportation benefits should be assessed realistically.
5. Over-the-Counter (OTC) Allowances Vary in Value
OTC allowances let retirees buy vitamins, first-aid supplies, or health products. The usefulness depends on plan restrictions and product lists. Some retirees find them highly practical; others barely touch the benefit. If OTC allowances align with real needs, keep them. Otherwise, they’re worth dropping.
6. Fitness Memberships Can Save Money—If Used
SilverSneakers and similar fitness perks provide access to gyms and wellness programs. Retirees who exercise regularly gain both health and financial value. But unused memberships are wasted dollars. Fitness add-ons only make sense if actively used. Health benefits vanish when cards gather dust.
7. Extra Perks Like Meal Delivery May Not Last
Some Advantage plans advertise perks like meal kits, acupuncture, or wellness apps. These may sound attractive but often have strict limits. Retirees expecting long-term savings may be disappointed. Short-term perks rarely justify higher premiums. Practical coverage should always come before gimmicks.
Why Choosing Add-Ons Wisely Protects Retirement Budgets
Medicare Advantage add-ons can provide real value, but only if they fit personal needs. Dental, vision, and hearing almost always justify themselves. In contrast, perks like meal delivery or unused gym memberships add little. Retirees who choose wisely keep premiums in check while protecting health.
Which Medicare Advantage add-ons have saved you the most—and which do you think aren’t worth the premium?
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Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.
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