5 Benefits Medicare Doesn't Cover- Medicare provides comprehensive coverage, but there is still a pretty long list of benefits NOT covered. Call us at iHealthBrokers today at 888-410-0344. Our services are 100% Free!
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0:00 Intro
0:57 Original Medicare
1:46 Hearing
2:33 Long Term Care
3:14 Vision & Dental
4:04 Prescription Drugs
Part A is your hospital insurance. It will cover:
Inpatient procedures
Nursing home care
Skilled nursing facility care
Home health care
Hospice care
Part B is your outpatient insurance. It will cover:
Doctor’s visit
Outpatient procedures
Lab Work and X-rays
Ambulance services
Durable medical equipment
Limited prescription drugs
Part B will only cover insulin administered via pump, vaccines and cancer medications such as chemotherapy.
There are deductibles, copays and coinsurance, but these benefits are all covered by Medicare.
However, that leaves plenty of benefits which are NOT covered by Medicare.
Many are surprised to learn that hearing is not covered by Original Medicare. It is therefore not covered by medigap either. So unfortunately hearing aids and fittings for hearing aids are entirely out of pocket. However, this may change in the near future. As it stands right now, the only Medicare solution to hearing benefits is Medicare Advantage.
Medicare covers skilled nursing facility care. This is not the same as an assisted living facility or long term care. Skilled nursing facility care is for short term, recoverable illness or injury. A long term condition, like Alzheimers would disqualify you. There are such thing as long term care plans and these types of facilities can be rather expensive without coverage.
Vision and dental are also not covered. Most likely you’ll need these types of benefits. Prescription glasses are not covered and most seniors will need some type of vision care. Dental care is also not covered. Neither original Medicare nor a Medigap plan will cover these benefits. Often Medicare Advantage plans do offer vision and dental. However, separate dental and vision plans can be rather inexpensive, so it may behoove you to purchase a separate plan so that these benefits are covered.
Original Medicare doesn’t really cover prescription drugs. There are limited exceptions to this, but for your basic prescriptions such as daily medications for blood pressure or antibiotics, you will need additional coverage. Again, many medicare advantage plans will cover prescription drugs. If you keep Original Medicare, even with a Medigap Plan, you would need Medicare Part D.
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5 Benefits Medicare Doesn't Cover
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