Here are 10 Things That Medicare Doesn’t Cover

Medicare

Medicare is a health insurance program run by the U.S. government. Generally speaking, it is known for covering people who are either 65 or older. However, it covers younger individuals under certain circumstances as well. In any case, interested individuals should keep in mind that Medicare doesn’t cover everything because they don’t want to be caught off-guard when they get something that isn’t covered.

24-Hour Home Care

Medicare provides coverage for some nursing as well as health aide services. Unfortunately, it won’t go as far as to cover 24-hour home care. If people have either a condition or conditions that necessitate that kind of care, they are going to need to look for some other solution for their situation.

Acupuncture

Generally speaking, alternative medicine won’t be included. As such, if interested individuals want them, they are going to need to pay the costs through some other plan or some other method. Acupuncture is an excellent example of this. There are some people who swear by its efficacy. However, that isn’t enough to make something a part of mainstream medicine because it is very common for people to become convinced of something’s efficacy even if it lacks efficacy. Perhaps some day scientists will uncover concrete evidence showing that acupuncture can do everything that its practitioners claim that it can do. For now, it is very much an example of alternative medicine, meaning that it isn’t covered.

Cosmetic Surgery

Cosmetic surgery can have a huge impact on a person’s well-being. Even so, interested individuals shouldn’t expect it to be covered by Medicare. Unless a procedure will improve a body part’s ability to function, it won’t be covered by Medicare. Anything else will have to be covered by interested individuals on their own.

Custodial Care

Custodial care is non-medical in nature. Due to this, it tends to be recommended by medical professionals but it isn’t required to be provided by medical professionals. This makes sense because custodial care covers things such as bathing, cooking, and cleaning, which are very important for a person’s day-to-day existence but don’t need to be provided by someone with medical expertise and experience. Generally speaking, Medicare won’t include custodial care if that is the only thing that interested individuals need. If people want their custodial care to be covered by it, they are going to need to meet a couple of conditions. One, it must be considered medically-necessary by someone with the proper authority. Two, it must be provided by healthcare professionals participating in Medicare.

Dental Care

Sometimes, there are oddities in the way that the world works because of pure inertia. To name an example, consider how dental care separate from other kinds of healthcare, which can be traced to how dental care was once the domain of barbers rather than “real” doctors. As such, it is perhaps unsurprising to learn that Medicare doesn’t cover the overwhelming majority of dental care. There are some exceptions to this rule, which are often dental care that need to be provided before some other kind of healthcare can be provided.

Foot Care

Any kind of routine foot care won’t be covered. As such, if interested individuals want anything along the lines of massages, the removal of corns, and the removal of calluses, they are going to need to make additional preparations for those things. There are some exceptions for people who meet certain conditions. People who have some kind of structural problem with their foot might be covered. Likewise, Medicare B includes coverage for treatments for foot-related diseases and deformities that are considered to be medically-necessary, though interested individuals should expect to pay a deductible as well as a portion of the costs.

Foreign Travel

If people want to travel outside of the United States, they should purchase travel insurance to make sure that their healthcare needs will be taken care of if they meet with misfortune out there. Medicare doesn’t provide coverage for the overwhelming majority of scenarios in which Americans are getting healthcare outside of the United States. If people are curious, they should know that Medicare will only provide coverage under very unusual circumstances such as, say, someone with a medical emergency being situated closer to either a Canadian or a Mexican hospital that can treat the medical emergency than any U.S. hospital that can treat the medical emergency.

Hearing Aids

Neither hearing aids nor the exams needed to fit hearing aids are covered by Medicare. Furthermore, routine hearing exams aren’t covered by Medicare either. Interested individuals can expect to be covered if their doctor orders diagnostic hearing and balance exams for medical reasons, though even then, they should expect to pay some of the costs unless they have chosen a supplemental plan as well.

Skilled Nursing Care

Skilled nursing care is pretty much exactly what it sounds like, which is to say, care from nurses provided under a doctor’s overall supervision in a medical setting. Often-times, such settings specialize in transitional care, thus enabling people to continue their recovery after they are in a state to leave the hospital. Medicare does actually cover skilled nursing care for a short period of time, with 20 days being very common. Past that point, well, suffice to say that two things can happen. It is possible that interested individuals will start needing to pay a lot more; it is also possible that interested individuals will start needing to pay for everything.

Vision Care

Routine vision care isn’t covered. However, people might have certain kinds of eye care covered under certain conditions. For example, if someone has diabetes, they can expect coverage for an annual eye exam. Similarly, if someone is at high-risk for glaucoma, they can expect coverage for glaucoma tests as well. As such, it can be a good idea for interested individuals to look into exactly what kinds of vision care are covered under exactly what conditions. By doing so, they should be able to get a much better idea of what else they might want for making sure that their healthcare needs will be met.

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