does it cover?

Medicare · plan documents

What did your Medicare plan just change?

Every fall, your plan mails an Annual Notice of Change. Most people don't read it. This does — and tells you, line by line, what costs more next year, what got cut, and what the plan still covers for dental, hearing, vision, over-the-counter items, and drugs, with the exact clause it comes from.

Read once, explained, discarded. No plan recommendations, no sales. How it works

  1. Find the document

    Medicare Advantage and Part D members get an Annual Notice of Change every September; the Evidence of Coverage arrives with it or on request. Medigap members have an outline of coverage. Paper is fine — photograph the pages.

  2. Drop it in

    A PDF, pasted text, or up to eight photos. The summary-of-changes pages of an ANOC are usually the first few; for an Evidence of Coverage, the benefits chart chapter is what matters.

  3. Read what it actually says

    Every cost and benefit change as a before-and-after pair, what the plan covers for dental, hearing, vision, over-the-counter items, and drugs, and the exact line it comes from. Plus the watch-outs people miss and the questions to ask.

  4. Take it to a neutral helper

    This explains your document; it never recommends a plan. For deciding what to do, use medicare.gov, 1-800-MEDICARE, or your state's free SHIP counselors. Nothing you upload is stored.

The general rules, if you want them

Does Medicare cover dental?Does Medicare cover hearing aids?Does Medicare cover eye exams and glasses?Medicare Advantage vs. Original Medicare

The checker explains what your plan document says. It is not insurance, legal, or financial advice, it does not compare or recommend plans, and your plan's own documents and customer service control. For enrollment help use medicare.gov, 1-800-MEDICARE, or SHIP. Read the privacy policy.