Medicare doesn’t cover eyeglasses, hearing aids or dental benefits. If you don’t have supplemental coverage, then most people who need those services would end up having to pay out of their own pocket.
Eye exams. Most Medicare beneficiaries are eligible for a simple vision check at preventive care visits, but Medicare doesn’t cover routine eye exams for eyeglasses or contact lenses. However, some preventive and diagnostic eye care services are available to Medicare Part B recipients, including tests for glaucoma and macular degeneration. And people who have diabetes are eligible for an annual eye exam for diabetic retinopathy.
Eyeglasses. Although huge numbers of seniors need glasses or contacts to see clearly, Medicare typically won’t pay for them.
Dental care. Medicare doesn’t cover routine dental care, including cleanings, fillings and tooth extractions. The health plan also won’t pay for dentures or dental plates. However, Medicare Part A might pay for certain dental services you get while hospitalized during an emergency.
Hearing aids and exams. Medicare Part B covers diagnostic hearing and balance exams that are ordered by a doctor to access function, but it won’t cover routine hearing exams. Hearing aids and the exams for selecting and fitting an appropriate hearing aid are also not covered by Medicare.
Cosmetic surgery. Medicare doesn’t cover cosmetic surgery unless the procedure is needed because of an injury or illness. For example, Medicare will cover a breast prostheses if you had a mastectomy due to breast cancer.
Acupuncture. Medicare will not cover this form of traditional Chinese medicine that involves sticking needles into the skin at specific points on the body.
Routine foot care. Medicare Part B covers podiatrist services for the treatment of foot injuries or diseases, such as hammer toes, bunion deformities and heel spurs. Foot exams and treatment are also covered if you have diabetes-related nerve damage. However, routine foot care, including the cutting or removal of corns and calluses or preventive maintenance of the feet, won’t be paid for by Medicare.
Long-term care. Medicare Part A covers care in a skilled nursing facility only after a three-day inpatient hospital stay. And retirees are limited to 100 days of covered care, after which the Medicare beneficiary becomes responsible for all costs. For people with low incomes and assets, Medicaid will pay for some forms of long-term care, including nursing home costs. People with assets to protect may want to purchase a long-term care insurance policy to help defray potential nursing home costs.
Medical care outside the U.S. Medicare typically won’t pay for health care received while traveling outside the U.S. However, there are a couple of exceptions where Medicare will pay for services received in a foreign hospital. For example, if you’re in the U.S. but a foreign hospital is closer than the nearest U.S. hospital, Medicare will cover the services received there. Or if you’re traveling through Canada between Alaska and another state when a medical emergency occurs, a Canadian hospital can be used to treat the emergency. Services you get while on board a ship in the territorial waters adjoining the U.S. are also covered.
“Retirees may be able to get coverage for some of these common medical services by purchasing supplemental insurance, such as a Medigap or Medicare Advantage plan”, says Lloyd Schneider managing partner of Mintco Financial.
Mintco Financial has offices in Tampa FL and Buffalo NY serving clients all over the country.
If you have questions please email LLoyd Schneider at firstname.lastname@example.org
Call 813 964 7100 or 716 565 1300