Five Things Medicare Does Not Cover
The reason that supplemental and advantage plans are so crucial is that Medicare Part A and Medicare Part B do not cover everything. Without sufficient insurance, this can mean out-of-pocket expenses and surprise bills later in life, when many people are on a fixed income.
Here are five things Medicare does not cover:
Long-term or custodial care. Custodial care includes the everyday tasks that a person may need help with as they age, which can include anything from getting dressed to putting in eye drops or using the bathroom.
Most dental care. Even though dental health is an extension of physical health, Medicare does not offer any benefits. Click here to view standalone Metlife Dental plans.
Eye exams. Vision care is not covered. Many independent carriers offer standalone vision plans.
Hearing aids and the exams for fitting them.
There are tools that the government provides so that seniors can find out if a service or supply is covered under their Medicare Part A or B plan. Click here to access the Medicare.gov coverage tool.
Some other common services that are not covered by government-issued Medicare include the following.
- concierge care,
- retainer-based medicine,
- boutique medicine,
- covered items and services you get from an opt-out doctor or institution (except in the case of a qualified urgent or emergency need).
Note: If an individual is not present in the US, Medicare will not pay for Part A or Part B claims. Additionally, that individual can not enroll in a Medicare Advantage plan or a Medicare Drug plan.
What Does Will Medicare Pay for?
Click here to learn with Medicare does pay for.