7 Things Not Covered by Medicare
Medicare enrollment is open to those 65 and older and some younger people with disabilities. It is a government-sponsored healthcare program, and there is no enrollment fee. Part A covers hospital care, while Part B covers outpatient services. Part D is prescription drug coverage, while Part C is an optional managed care plan. There are some services that Medicare does not cover, including:
1. Routine dental exams
While Medicare does cover some dental services, such as those related to an injury or illness, it does not cover routine dental exams. This can be a problem for seniors who have trouble paying for dental care. Fortunately, some options are available for seniors who need help paying for dental care. Many dentists offer discounts for seniors, and some government programs can help with the cost of dental care.
2. Long term care
Medicare does not cover long-term care. Long-term care is a range of services and support for people with chronic illnesses or disabilities. Long-term care can include help with activities of daily living such as bathing, dressing, and eating. It can also include assistance with homemaking tasks such as cooking and cleaning. Medicare does not cover these services because they are considered custodial care, which is not medically necessary. Other options are available to help pay for long-term care, such as Medicaid and private insurance policies. However, coverage varies widely, so it is important to research your options carefully before making any decisions.
3. Prescription drugs
Medicare does not cover prescription drugs. Instead, beneficiaries can purchase a stand alone prescription drug plan (Part D) or enroll in a Medicare Advantage plan that includes drug coverage. While Part D plans can vary depending on the insurer, all plans must offer at least some basic level of coverage. Medicare Advantage plans may be a better option for those requiring more extensive drug coverage. These plans typically have higher premiums than Part D plans but offer more comprehensive benefits.
4. Dentures
Dentures are artificial teeth that are used to replace missing teeth. They can be partial or full dentures, and they can be made from a variety of materials. They are a valuable tool for restoring oral function but are not considered medically necessary. As a result, Medicare does not cover its costs.
5. Overseas health care
Medicare does not provide coverage for health care services outside the United States. If you are enrolled in Medicare, you will not be covered for any medical care you receive while traveling overseas. There are a few exceptions to this rule, such as if you are traveling to Canada or Mexico for emergency medical care. If you are planning to travel outside of the United States, it is crucial to make sure that you have a travel insurance policy that will cover your health care needs.
6. Hearing aids
Medicare does not cover the cost of hearing aids. There are several reasons why Medicare does not cover them. First, they are considered cosmetic devices, and Medicare only covers medically necessary treatments. Second, hearing aids can be expensive, and Medicare only has limited funds available for coverage.
7. Routine eye exams
Medicare does not cover routine eye exams. If you need glasses or contact lenses, you must pay for them yourself. You may get a discount on vision care through your Medicare Advantage plan.
8. Dexcom G7
If you’re concerned whether or not Medicare covers Dexcom G7, it does – but only for people living with diabetes who are on any type of insulin. Additionally, if you are not on insulin, but experience low blood glucose events, you will qualify for coverage on the Dexcom G7. Be sure to speak to your healthcare provider before purchasing Medicare to see if it is right for you
If you require any of these services, you will need to pay for them out of pocket or find another health insurance coverage source. While this may seem like a hassle, it is important to remember that Medicare is still a valuable resource.