As we age most of us need eye care, dental work, foot care, hearing aids, and additional medical care, but Medicare generally won’t pay for any of these health services. And if you need extensive long-term care, Medicare only covers you for a limited amount of time and under very specific circumstances. Here’s a look at some of the most common medical services Medicare doesn’t cover that MedicareWire thinks you should know about.
1. Dental Care
Medicare doesn’t pay for routine dental care, including cleanings and fillings. Dentures, implants and other types of dental devices aren’t covered either. Medicare Part A does pay for certain dental services received if you are hospitalized, but only if the services are medically necessary. For your routine dental care needs, you’ll need to buy a dental plan or enroll in a Medicare Advantage plan with dental coverage. You can find and compare dental plans for seniors here.
2. Hearing Aids
Most people find it challenging to hear clearly as they age, especially in a noisy environment. Medicare doesn’t cover hearing aids or the exam required to select and fit an appropriate hearing device. However, Medicare might cover an exam if your doctor determines it’s medically necessary (e.g., balance related). And Medicare covers surgically implanted devices, such as a cochlear implant that offer a sense of sound.
3. Routine Eye Exams
Medicare covers eye exams and tests for people with specific conditions, such as an annual glaucoma test for high-risk retirees, a yearly eye exam for diabetic retinopathy and tests and treatments for age-related macular degeneration. However, vision checks for the purpose of prescribing glasses and contact lenses are not covered. The single exception to this rule your “Welcome to Medicare” preventive care visit that you get during the first 12 months you have Medicare Part B.
4. Glasses and Contact Lenses
Most of us need corrective lenses to see clearly as we age, but Medicare doesn’t cover the cost of glasses or contact lenses for most people. But, if you need cataract surgery and your doctor implants an intraocular lens, Medicare will cover one pair of eyeglasses or one set of contact lenses from a Medicare-approved supplier.
5. Routine Foot Care
Medicare covers podiatry services for injuries to the foot, including hammer toes, bunions and heel spurs. However, Medicare doesn’t cover foot care such as the removal of calluses and corns, nail maintenance or foot cleaning. Exams and treatment are covered if needed in the treatment of a chronic condition, such as diabetes. This includes custom-molded shoes and inserts for those with severe diabetic foot disease and orthopedic shoes if you have a leg brace.
6. Acupuncture
Many people swear by acupuncture to relieve various ailments, but its not covered by Medicare. You can get your chiropractor visits for medically necessary manipulation of the spine covered, but Medicare may not cover other chiropractic services, such as X-rays and massage therapy.
7. Cosmetic Surgery
Medicare doesn’t cover cosmetic surgery unless it’s medically necessary. For example, if the surgery is required because of an injury or deformity, Medicare will typically pay for it. Common instances include artificial limbs and their replacement parts, artificial eyes, and breast prosthesis after a mastectomy.
8. Medical Care Received Outside the U.S. and its Territories
Medicare does not cover health services received in another country. However, there are circumstances when Medicare will pay, such as if a foreign hospital is closer than the nearest U.S. hospital for a beneficiary injured in the U.S. The most common example is receiving emergency medical services in Canada while traveling between the continental U.S. and Alaska. If you plan to travel abroad, buy a Medicare supplement plan or travel insurance. You can find and compare Medigap plans here.
9. Personal Care & Long-Term Care
Medicare typically won’t cover the cost of personal care services, including help for bathing, dressing, getting out of bed, shopping, housekeeping, meals delivered to your home or 24-hour assistance at home. If you’re poor you might qualify for custodial care costs through Medicaid.
Medicare does cover short-term care in a skilled nursing facility if it follows a hospital stay of three or more days. Although you don’t have any cost-sharing during the first 20 days of care, you’ll pay $170.50 per day (2019 rate) for days 21 through 100. Medicare does not cover nursing home stays that exceed 100 days. For this, you’ll need long-term care insurance. For information about LTC coverage, you can read the MedicareWire Long-Term Care insurance guide here.
Summary
Although Medicare covers the majority of your major medical costs, it doesn’t cover everything. To make sure you have coverage for your dental, vision, hearing, long-term care and other healthcare needs as you age into retirement, you’ll need to plan ahead and buy additional coverage.