What is the first thing you think of when the calendar turns to October? If you said Halloween, then we’re thinking alike. But we’re taking it one step (or two) further. October to us means it’s time to talk about Medicare supplement, vision, and dental insurance.

How’d we get there?

Halloween means you’ll be seeing lots of costumes and eating even more candy. See where we’re going with this—vision and dental. Medicare fills in the gaps. A bit of a stretch, yes, but everyone needs a good pneumonic device, right?

So what is it? Who needs it? Why bother?

Medicare supplement insurance is wise for consumers because it helps cover health care costs not typically covered by normal plans. It fills in any gaps ensuring policyholders have financial assistance even when bizarre or uncommon occurrences take place. (Note: Medicare supplement does not cover all accidents. Exceptions do apply.) Medicare supplement—also known as Medigap—does not cover long-term care (we’ll talk about that in November), vision, or dental. Hence, those will be touched on this month as well. But it does cover a lot of what Medicare does not, such as co-payments, co-insurance, and deductibles.

There’s no getting around it: we all age.

As we get older, our bodies begin to break down, forcing us to spend more time at the doctor’s office. If you have Medicare and Medicare Supplement, you’re pretty well covered. But just like the rest of the body, our vision starts to decrease and it becomes increasingly difficult to take care of our teeth. Vision insurance covers yearly exams, corrective lenses and contributes toward LASIK eye surgery. Dental insurance pays a portion of exams and dental work. Without it, cavity fillings can hurt more than your teeth—they’ll chip away at your client’s wallet too.

Vision insurance to help your clients see all those cute costumes better; Dental insurance for when too much candy leads to a cavity; Medicare supplement for the co-payment of the doctor visit they had due to a DIY costume accident, belly-ache,  scare panic attack, or whatever else it may be.