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Medicare is an essential program that provides health insurance for millions of Americans, primarily those over 65 and some younger individuals with disabilities. While Medicare covers many important medical services, there are several health services it doesn’t cover, which can lead to unexpected out-of-pocket costs. Here are five surprising services Medicare excludes and why they matter to you.
1. Dental Care
Routine dental care, such as cleanings, fillings, and dentures, are not covered under Original Medicare. Poor dental health can lead to infections and other health issues, so ignoring this coverage gap could affect your overall well-being. Many seniors must pay out-of-pocket or get separate dental insurance to cover these costs.
2. Vision Care
Medicare doesn’t cover regular eye exams, eyeglasses, or contact lenses. This is significant because vision tends to decline with age, increasing the need for corrective lenses. Without coverage, the costs of managing vision problems can add up, impacting your quality of life. Cataract surgery, however, is an exception and is usually covered.
3. Hearing Aids
Hearing loss is common as people age, yet Medicare doesn’t cover hearing exams or hearing aids. This is a considerable expense for many seniors, as hearing aids can be costly. Untreated hearing loss can lead to social isolation and other health problems, making this exclusion particularly impactful.
4. Long-Term Care
Medicare only covers short-term stays in a skilled nursing facility after a hospital stay, but it does not cover long-term custodial care. This type of care, which includes help with daily activities like bathing, dressing, and eating, is often needed by seniors with chronic health conditions. Without Medicare coverage, individuals may need to rely on savings or Medicaid for long-term care.
5. Alternative Therapies
Services like acupuncture, chiropractic care (except for specific cases), and other alternative treatments are not covered by Medicare. These therapies are becoming more popular for managing pain and chronic conditions, but without coverage, the costs fall entirely on the patient.
Why It Matters
Understanding what Medicare doesn’t cover is crucial for planning your healthcare needs and finances. Many of these excluded services, such as dental and vision care, are essential to maintaining good health as you age. You may need to explore supplemental insurance or savings options to cover these gaps and avoid unexpected medical bills.
Disclaimer
This article is for informational purposes only and should not be considered a substitute for professional advice regarding health or finances. No reference to any specific individual or company is intended to be an endorsement. This article may have been partially generated using artificial intelligence and could contain inaccuracies. Readers should consult healthcare professionals for advice tailored to their individual circumstances.
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