Original Medicare doesn't cover eye exams or corrective eyewear

What Does Medicare Not Pay For?

Medicare provides health coverage for more than 54 million Americans. However, while this health insurance plan provides essential coverage, it doesn’t pay for everything. It helps to know the services and items that Medicare won’t cover so that you can plan ahead. Here are some of the services Medicare doesn’t pay for.

Prescription Drug Coverage

Prescription drugs are not included in Original Medicare. Original Medicare primarily covers doctor visits, hospital stays, medical equipment, and ambulances services. So, if you want to receive prescription drug coverage, you must sign up for either a standalone Medicare Part D prescription drug plan or a Medicare Advantage plan that covers prescription drug plans. While both of these plans are overseen by Medicare, they are administered by private insurance companies.

Long-Term Care

Long-term care is defined as the range of personal care services that do not require trained medical personnel. Long-term care also covers care people get in a nursing home and home healthcare. You need long-term care if you require help with regular activities such as eating or bathing. Medicare Part A pays for nursing care services. However, skilled nursing care must be required. Also, note that Medicare doesn’t provide coverage for custodial care.

Dental Care

Medicare doesn’t pay for a routine visit to the dentist or cover common dental treatments such as root canal treatment. However, Medicare does cover dental treatments that are considered medically necessary for you to undergo other services covered by Medicare. For instance, if a tooth extraction is required before you can undergo heart surgery, Medicare covers the extraction.

Hearing Tests or Aids

Despite the high rate of Medicare members with hearing loss, Medicare doesn’t pay for routine hearing exams. The plan will only pay for a hearing test if it is considered medically necessary to diagnose any underlying health condition covered by Medicare. However, several Medicare Advantage plans provide coverage for hearing tests and hearing aids.

Eye Exams and Glasses

Most Americans in their 60s and older need glasses or contact lenses. Moreover, you need eye exams to check for serious eye conditions and update your prescription. However, Medicare does not cover eye exams or corrective eyewear. While Medicare Advantage may pay for eye exams and basic eye frames, it usually doesn’t fully pay for contacts and glasses.

Talk to the Medicare Experts

If you’re wondering if a particular medical service is covered by Medicare, contact Temmen Insurance today. We’re a team of experts who specialize in Medicare. Talk to us, and we’ll simplify the process by making suggestions based on your needs.

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