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:
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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.
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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.
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Eye exams. Vision care is not covered. Many independent carriers offer standalone vision plans.
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Dentures.
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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.