Will Medicare Cover it?
A helpful guide to services excluded by Medicare.
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- Long-term Care: Medicare generally doesn't cover long-term care in nursing homes, assisted living facilities, or custodial home care.
- Routine Dental Care: Medicare does not cover cleanings, fillings, and dentures. Some Medicare Advantage plans may offer limited dental coverage.
- Vision Care: Routine eye exams for glasses or contact lenses are typically not covered. However, Medicare may cover eye exams related to glaucoma or cataract treatment.
- Hearing Aids: Medicare does not cover the cost of hearing aids or routine hearing exams. Some Medicare Advantage plans may provide limited coverage for hearing aids.
- Cosmetic/Elective Procedures: If a procedure is not medically necessary, Medicare will not cover it.
- Routine Foot Care: Medicare does not cover routine foot care like toenail trimming and callus removal unless it is medically necessary due to certain conditions like diabetes.
- Prescription Drugs: While Medicare Part B covers some medications administered in a clinical setting, it does not cover most prescription drugs you would take at home. You'll need a separate Medicare Part D plan for prescription drug coverage.
- Treatment Outside the US: Healthcare services received beyond U.S. borders are not covered. Medicare may cover some emergency treatment when the closest hospital is in a foreign country (e.g., Canada or Mexico).
- Home Modifications: Home modifications to accommodate disabilities or for safety reasons are typically not covered by Medicare.
- Routine Physical Exams & Labs: Medicare does not cover routine physicals or lab work. However, it does cover an annual wellness visit where preventive services like vaccinations and screenings are discussed.
- Alternative Medicine: Medicare generally does not cover naturopaths and other alternative medicine practitioners. However, limited acupuncture and chiropractic visits are permitted to treat low back pain.
- Custodial Care: Help with activities of daily living (ADLs) like bathing, dressing, and eating, often provided by home health aides, is not covered.
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