Questions Regarding What Medicare Does and Doesn’t Cover?

Many seniors new to Medicare have questions about the scope of what is covered under the program. Experts explain Medicare covers the majority of seniors’ health care needs including hospital care, doctor visits, lab tests and prescription drugs. However there are some things not covered and are included in the following.

While Medicare does cover treatment and doctor visits regarding medical problems in the ears; many seniors are surprised to learn it does not cover hearing aids or routine ear exams. Hearing aids are expenses and one solution to defray the cost is to purchase Medicare gap insurance or a membership in a discount plan that helps cover the cost of hearing devices. In 2017 a bill was passed that allows hearing aids to be sold over-the-counter and without a prescription for people with mild to moderate hearing loss; greatly reducing the cost.

Eye exams, glasses and contact lenses are another one of the things not covered under traditional Medicare. Medicare does cover things like cataract surgery and other medical conditions of the eye. If you are concerned about the cost of glasses and exams, vision insurance is available. The same goes for dental care, and there are additional plans out there to help cover the cost of dental work.

If you travel out of the country, you need to know Medicare will not cover any of your medical care. Frequent travelers recommend purchasing a Medigap policy that covers certain overseas medical costs; or check into travel insurance policies offering basic health care. Some seniors opt to pay upfront for emergency medical evacuation insurance.

Other types of services not covered by Medicare are podiatry, massage therapy and chiropractic care. While short-term rehab services are covered, Medicare does not cover long-term care in retirement homes. Looking for vibrant senior living? 

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