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What Medicare Doesn’t Cover

Many people are surprised to learn that Original Medicare (Part A and Part B) does not provide prescription drug coverage. You can buy drug coverage through Medicare Part D. For many Medicare beneficiaries, getting your prescription drugs covered is the most important coverage you need. Medicare requires all Medicare beneficiaries have some sort of prescription drug coverage; otherwise you may face a late enrollment penalty if you enroll in a plan with prescription drug coverage after you are first eligible for Medicare.

 

Here are some other services that are not covered by Original Medicare:

 

  • Dental exams, most dental care or dentures
  • Routine eye exams, eyeglasses or contacts
  • Hearing aids or related exams or services
  • Most care while traveling outside the United States
  • Help with bathing, dressing, eating, etc. (custodial care)
  • Comfort items such as a hospital phone, TV or private room
  • Long-term care
  • Cosmetic surgery
  • Most chiropractic services
  • Acupuncture or other alternative treatments
  • Routine foot care

 

You may have to pay for these services yourself unless you have other insurance that covers them. Some Medicare Advantage (Part C) plans may help with certain services not covered by Original Medicare. If you need coverage for any of the services listed above, contact Health Enroller and one of our licensed health insurance agents can assist you with finding a plan that covers the services you need.

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