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In this video, we are going to cover some of the more common services Original Medicare, that’s Parts A and B, does not cover.

Original Medicare covers many medical and hospital services. But it doesn’t cover everything.

For example, you may be surprised to learn that Original Medicare doesn’t cover prescription drugs. You can buy drug coverage through Medicare Part D, but it’s not provided by Parts A or B. As was mentioned in one of our previous videos, your Part D Drug Plans are required to cover certain common types of drugs. However; each plan may choose which drugs it covers. So, you will need to review each plan’s drug list, or formulary, to see if your drugs are covered.

Many services are not covered by Original Medicare. You may have to pay for these services yourself unless you have other insurance that covers them.

Here are some of the more common items Original Medicare does not cover:
• Routine 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

Also, with Original Medicare, you generally must pay part of the cost of services that are covered. Your Medicare costs may include such things as deductibles, copayments, and co-insurance, in addition to the Part B premium.

There are plans available that may cover your dental, vision and hearing. These plans usually have a small annual deductible and pay a cash reimbursement either to you or your medical professional.

Also, you may choose to add Medicare supplement insurance to Original Medicare. These plans help pay some of the out-of-pocket costs that Parts A and B don’t pay. It isn’t a government benefit, like Parts A and B. These plans are offered through private insurance companies. I would highly recommend you consider getting a supplement plan. They are inexpensive compared to the medical expenses you could end up paying.
Original Medicare may not cover all the care you might want. And you may have additional costs if you choose to add coverage. But at least you can learn what’s not covered so you can explore your options and not be surprised by a huge bill later.

If you need additional information, about Medicare, give our office a call on our Recorded Hotline. That number is 1-800-958-8171 and then record your question or request.

Again, the best way is to call my office direct at 1-800-825-2919. You’ll get an answer to point you in the right direction.

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