Original Medicare (Parts A and B) is comprehensive health insurance, but it does not cover every medical need you may have! It is important to understand what Medicare covers and more importantly, what Medicare does NOT cover.

0:00 Introduction
0:54 Original Medicare
2:02 Dental, Vision, and Hearing
4:44 Prescription Medications
7:14 Long-Term Care
8:38 Foreign Travel Emergency
9:37 Cosmetic Surgery
10:09 Wrap Up

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Original Medicare consists of Medicare Part A and Medicare Part B. Medicare Part A is your hospital insurance, which is essentially your "room and board" while hospitalized. This coverage includes things like a semi-private hospital room, meals, and nursing care. Medicare Part B is your outpatient coverage. Part B is divided into two categories: medically necessary services and preventive services. Although these two categories are very large, they do not encompass every healthcare need.

It is important to understand what is not covered by Medicare. These 5 things are what I am asked about most often-

1. Dental, vision, and hearing: Original Medicare does not cover routine dental, vision, or hearing services.
2. Prescription Medications: Original Medicare Parts A and B do not cover your outpatient prescription medications. Prescriptions are covered by a separate, optional part of Medicare known as Medicare Part D.
3. Long-term care: Although Original Medicare covers up to 100 days of short-term skilled nursing care, with a copayment past day 20, there is no coverage at all for long-term care.
4. Foreign travel emergency: Original Medicare does not offer coverage for any hospitalizations or physician care outside of the US.
5. Cosmetic surgery: Original Medicare does not offer coverage for any elective cosmetic procedures.

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Original Medicare (Parts A and B) is comprehensive health insurance, but it does not cover every medical need you may have! It is important to understand what Medicare covers and more importantly, what Medicare does NOT cover.

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