While Medicare provides critical health care assistance to seniors, it doesn’t cover everything.
Understanding which services are and are not part of the Medicare plan can help you put a plan in place before you have a pressing health issue.
Eye Exams
Medicare typically does not cover routine eye exams, eyeglasses or contact lenses, except in specific situations like post-cataract surgery and diabetic eye exams. Consider private vision insurance plans or the discounted vision services provided by organizations like AARP to manage these costs.
Dental Work
Most dental procedures are not covered — including routine cleanings, dentures and fillings. Seniors may need to obtain separate dental insurance or find low-cost dental clinics and discount programs.
Hearing Aids
Hearing aids are not covered, so many seniors end up paying out of pocket. Others turn to supplemental insurance plans that include hearing aid benefits or take advantage of community programs that offer financial support for these essential devices.
Podiatry Services
Medicare covers certain treatments for foot conditions, but does not include routine foot care services. Look into Medicare Advantage plans that may offer enhanced podiatry coverage. Community health clinics may also provide free or low-cost services.
Nursing Home Care
There is only limited coverage for nursing home care. Specifically, short-term skilled nursing care in a nursing home or rehabilitation facility is covered after a hospital stay, but long-term custodial care or assisted living expenses are not. Look into your Medicaid eligibility or long-term care insurance options.
Chiropractic Services
Medicare provides coverage for spinal manipulation and certain chiropractic services related to specific medical conditions, but it does not extend to comprehensive ongoing chiropractic care.
Massage Therapy
Massage therapy for general relaxation or wellness is usually not covered by Medicare. Look for practitioners who offer senior discounts or consider other therapies covered by Medicare like acupuncture and physical therapy.
Cosmetic Surgery
Medicare does not reimburse for elective cosmetic surgeries or procedures performed solely for aesthetic reasons. You’ll have to explore private financing options or consider non-surgical cosmetic treatments.
Overseas Care
Healthcare services obtained outside the United States are not generally covered by Medicare. Exceptions are made only for rare emergency situations or specific cases. Seniors who frequently travel or live part-time elsewhere should consider travel insurance or international health insurance.