Knowing what Medicare doesn’t cover is crucial to your health and finances. Many Medicare patients are under the impression that their insurance will cover everything they need.
Specifically, when they first enroll in the program. However, Medicare only covers a percentage of most services. There are many services that are not covered at all.
Knowing that you can rely on Medicare for most of your basic needs is important. However, it’s equally important for your overall health to financially plan for the services that Medicare does not cover.
As well as for any uncovered health care services you may require in the future.
What Medicare Doesn’t Cover
Medicare has limitations, and these limitations can be hindering. Both to our health and finances if we aren’t aware of them from the start.
No one likes to be hit with an unexpected expense. Nor do you want to stop care unexpectedly for insurance reasons.
If we’re aware of what Medicare does not cover, we can plan financially for these services. Either by prioritizing and saving for them or by signing up for a Medicare Supplement health care plan.
A Medicare Supplement, or Medigap, is secondary coverage to Medicare.
Here are some of the main healthcare services that Medicare doesn’t cover:
No, Medicare doesn’t cover alternative medicine generally. Alternative medicine tends to imply something experimental. It can be surprising how many regular, or necessary services, are included in this category in terms of insurance coverage.
Some of these services include a great deal of:
Unfortunately, Medicare doesn’t cover cosmetic surgery. However, cosmetic surgery may be covered if it’s needed to improve the function of a body part. Any cosmetic surgery that does not affect function ability is not covered.
Sometimes Medicare will cover dental expenses if found to be medically necessary. Dental health is one of the most important aspects of long-term overall health. Unfortunately, most dental services are not covered by Medicare.
You can read more about what dental expenses Medicare does cover here.
Routine Vision Care
Routine Vision Care is not covered by Medicare. However, there are some cases in which glasses may be covered after surgery.
Hearing aids and hearing exams are not covered by Medicare. In rare circumstances, hearing implants may be covered. Only if they are being used to treat hearing loss at a severe level. You can read more about Medicare hearing coverage here.
Most care received outside of the United States is not covered by Medicare. You can find more information on Medicare coverage overseas here.
Home Health Care
Medicare doesn’t cover Home health care under most circumstances. This includes help bathing, toileting, and dressing.
Medicare doesn’t cover housekeeping services. Also not covered are meal preparation, shopping, and cleaning.
Skilled Nursing Care
If you need nursing care immediately after you leave a hospital, Medicare will sometimes pay the full Medicare allowed rate.
But only for the first 20 days. After that, you will pay a part of the cost for up to 100 days. After 100 days, Medicare no longer covers skilled nursing care or rehab services outside of the hospital.
No, Medicare doesn’t cover transportation. While there are programs that cover non-emergency transportation, Medicare is not one of them.
No, Medicare doesn’t cover routine foot care.
Medical Record Copies
Medicare will not cover the copies of x-rays or records for patients.
Of course, Medicare has certain circumstances in which they will cover items they would not normally cover. Find out if these circumstances apply to you by speaking to a licensed Medicare agent.
Planning for Non-Covered Medicare Services
Planning for non-covered services is an important part of maintaining your overall physical health. Neglecting to plan for these circumstances may have long-term consequences. It can also cause unnecessary stress when it comes to your well-being.
Overall health is important at any age. Sticking to healthy routines and habits is important to continue throughout your lifetime.
Maintaining overall health has to do with:
- Our daily activities
- Our regular appointments
- How we handle health-related situations that may arise. On both a long-term and short-term basis.
When it comes to practicing overall health, health insurance is naturally an important part of our lives. This is true especially when we approach a certain age. Luckily, we have Medicare to cover many services that will help us with basic health care.
The issue in maintaining overall health comes when we are unsure of what is covered by our insurance and need additional services.
A great tool to use to check if your test, item or service is covered is Medicare.gov.
Enroll in Secondary Coverage to Medicare
In order to properly plan for the future of your overall health, make sure to thoroughly study all Medicare coverage. Once you have a complete understanding, start looking for secondary coverage solutions to supplement your Medicare.
If you can find the right way to supplement non-covered services that fit with your health care needs, you are on the way to continuing a healthy, well-rounded lifestyle. Enroll in secondary coverage to Medicare today, you can enroll anytime!
Click here to compare supplemental coverage rates, or call the number above to speak to an agent licensed in your state now!