Medicare, or federal health insurance, is one of the most essential aspects of healthcare for those who are 65 or older and for those who live with certain health complications. Those enrolled in Medicare A, B, or Medicare Advantage are eligible for certain health benefits that help them save and cover various expenses. However, some things might not fall under the scope of coverage. Here are five things that are not included in a Medicare plan:
1. Overseas care
Medicare Advantage and original Medicare offer virtually no coverage for healthcare costs incurred outside the country. Some Medigap policies may cover specific overseas health-related costs. Someone who travels often should consider travel insurance policies for basic healthcare coverage.
2. Opticians and eye exams
Original Medicare covers ophthalmologic expenses such as cataract surgery but does not cover routine eye exams, contact lenses, or glasses. Some Medicare Advantage plans may cover routine vision care and glasses. People could buy vision insurance policies for a few hundred dollars a year to help cover the cost of glasses or contact lenses.
3. Hearing aids
While Medicare covers ear-related health conditions, the original Medicare and Medigap plans do not pay for routine hearing tests or hearing aids. Those enrolled under Medicare Advantage should check their policy for hearing-related coverage. One can also consider buying additional coverage from a private provider to cover the costs of hearing examinations, treatment, or the purchase of hearing aids.
4. Cosmetic surgery
Elective cosmetic surgery, including tummy tucks or face lifts, is usually not covered by Medicare. The policy may cover plastic surgery in the event of an accidental injury. The surgery might also fall under Medicare coverage in the case of other treatments like breast reconstruction following a mastectomy. Those who need these costs covered could also consider setting up a separate savings program for themselves.
5. Dental work
People enrolled in original Medicare and Medigap and require coverage for dental care, such as routine checkups, dentures, and root canals, will have to find an alternate method to save on costs. If a Medicare Advantage plan does not include dental, or if one is enrolled in Original Medicare, they should consider buying an individual dental insurance plan or a dental discount plan.
