Traditional Medicare Does Not Cover Everything

Many seniors new to Medicare have questions about the scope of coverage under the program. Experts explain traditional Medicare covers most health care needs including hospital care, doctor visits and lab tests. However, some services and medical devices are not covered.

While Medicare covers treatment and doctor visits regarding medical problems in the ears; many seniors are surprised to learn it does not cover hearing aids. In 2017 a bill was passed that allows hearing aids to be sold over-the-counter without a prescription for people with mild to moderate hearing loss; greatly reducing the cost.

Eye exams, glasses and contact lenses are also not covered under traditional Medicare. Medicare does cover things like cataract surgery and other medical conditions of the eye. If you are concerned about the cost of glasses and exams, vision insurance is available. The same goes for most dental care, and there are additional plans out there to help cover the cost of dental work. 

If you travel out of the country, you need to know Medicare will not cover any of your medical care. Travelers may purchase a Medigap policy that covers certain overseas medical costs; or check into travel insurance policies offering basic health care. Some seniors opt to pay upfront for emergency medical evacuation insurance. 

Other types of services not covered by Medicare are podiatry, massage therapy and chiropractic care. While short-term rehabilitation services are covered, Medicare does not cover long-term care in a nursing home. 

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