Medicare doesn’t cover everything. If you need services that Medicare doesn’t cover, you’ll have to pay for them out of pocket unless you have other insurance that covers these services.
Even if Medicare covers a service or item, you (or your plan) will have to pay a deductible, coinsurance, or copayments.
Some of the items and services that Medicare doesn’t cover:
- Long-term care (also called custodial care)
- Routine foot care
- Cosmetic surgery
- Most dental care
- Eye examinations related to prescribing glasses
Medicare defines “Custodial care and Long-term care as follows;
Custodial care Non-skilled personal care, like help with activities of daily living like bathing, dressing, eating, getting in or out of a bed or chair, moving around, and using the bathroom. It may also include the kind of health-related care that most people do themselves, like using eye drops. In most cases, Medicare doesn’t pay for custodial care.
Long-term care Services include medical and non-medical care provided to people who are unable to perform basic activities of daily living, like dressing or bathing. Long-term supports and services can be provided at home, in the community, in assisted living, or in nursing homes. Individuals may need long-term supports and services at any age. Medicare and most health insurance plans don’t pay for long-term care.
To find out if your service, test or item is covered click the link below and it will take you to the official U.S. government site for Medicare.
Still, have questions or concerns please do not hesitate to call or email me. Your questions and concerns are my business.
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Medicare Explained in Plain English