Medicare helps millions of Americans pay for health care, but it doesn’t cover everything. Many people think Medicare will handle all their medical bills once they turn 65. That’s not true. Some costs can surprise you, especially if you assume Medicare covers more than it does. Knowing what’s not covered can help you plan and avoid big bills. Here are ten medical expenses Medicare doesn’t cover, even though many people think it does.
1. Long-Term Care (Nursing Home or Assisted Living)
Medicare does not pay for most long-term care. If you need help with daily activities like bathing, dressing, or eating, you’ll have to pay for a nursing home or assisted living out of pocket. Medicare only covers short-term skilled nursing care after a hospital stay, and even then, only for a limited time. Many people are surprised by this gap. Planning ahead with long-term care insurance or savings is important if you think you might need this kind of help.
2. Routine Dental Care
Medicare does not cover routine dental visits, cleanings, fillings, or dentures. If you need a root canal or want to get your teeth cleaned, you’ll pay for it yourself. Dental health is important, especially as you age, but you’ll need to find a separate dental plan or pay out of pocket. Some Medicare Advantage plans offer dental coverage, but Original Medicare does not. This is a common area where people get caught off guard.
3. Vision Care and Eyeglasses
Medicare does not cover routine eye exams, glasses, and contact lenses. If you need new glasses or want to check your vision, you’ll have to pay. Medicare will cover eye care if you have a medical condition like glaucoma or cataracts, but not for regular checkups or corrective lenses. Many people assume vision is included, but it’s not. Consider a vision insurance plan if you want help with these costs.
4. Hearing Aids and Exams
Hearing loss is common as people age, but Medicare does not cover hearing aids or exams for fitting them. These devices can be expensive, often costing thousands of dollars. If you need a hearing test or new hearing aids, you’ll pay the full price unless you have other insurance. Some Medicare Advantage plans may help, but Original Medicare does not. This is a big gap for many seniors.
5. Prescription Drugs (Without Part D)
Original Medicare does not cover most prescription drugs. You need to enroll in a separate Part D plan to get help with medication costs. If you don’t sign up for Part D when you’re first eligible, you may pay a penalty later. Many people think their prescriptions are covered automatically, but that’s not the case. Make sure you have drug coverage if you take regular medications.
6. Medical Care Outside the U.S.
If you travel outside the United States, Medicare usually won’t pay for your medical care. There are a few rare exceptions, but in most cases, you’ll need to pay for treatment yourself. Some Medigap plans offer limited coverage for emergencies abroad, but Original Medicare does not. If you travel often, consider travel insurance that includes medical coverage. This can save you from huge bills if you get sick or injured overseas.
7. Cosmetic Surgery
Medicare does not cover cosmetic surgery unless it’s medically necessary. If you want a facelift, tummy tuck, or other elective procedure, you’ll pay for it yourself. Medicare will cover surgery if it’s needed to fix an injury or improve function, but not for looks alone. Many people are surprised by this, especially after an accident or illness. Always check if a procedure is considered cosmetic before scheduling it.
8. Routine Foot Care
Routine foot care, like cutting toenails or removing calluses, is not covered by Medicare. If you have diabetes or a serious foot condition, Medicare may pay for some treatments. But for most people, regular foot care is an out-of-pocket expense. This can add up, especially if you need help often. Some people find local clinics or podiatrists who offer lower-cost services.
9. Personal Comfort Items in the Hospital
If you’re in the hospital, Medicare won’t pay for personal comfort items like a TV, phone, or private room (unless medically necessary). These extras can make a hospital stay more comfortable, but you’ll pay for them yourself. Always ask what’s included before you agree to extra services. Hospital bills can be confusing, so check your statements for these charges.
10. Alternative and Complementary Therapies
Medicare does not cover most alternative treatments, like acupuncture, massage therapy, or chiropractic care (except for limited chiropractic services for back pain). If you use these therapies, you’ll pay out of pocket. Some people find these treatments helpful, but Medicare sticks to traditional medical care. If you want coverage for alternative therapies, look for a Medicare Advantage plan that includes them or budget for these costs yourself.
Planning Ahead: Avoiding Surprise Medical Bills
Understanding what Medicare doesn’t cover can help you avoid surprise bills and stress. Many people assume Medicare is all-inclusive, but these gaps can lead to big expenses. Review your health needs and consider extra insurance or savings for things like dental, vision, and long-term care. Talk to a trusted advisor or use online resources to compare plans and find what works for you. Being prepared means fewer surprises and more control over your health care.
Have you ever been surprised by a medical bill Medicare didn’t cover? Share your story or advice in the comments.
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