00:0010 Things Medicare Doesn't Cover That You Need To Know
00:03Long-Term Care
00:05Medicare does not cover long-term nursing home care or help with daily activities like bathing or eating.
00:12While short stays in skilled nursing facilities may be covered after a hospital visit, extended care is not.
00:19According to the U.S. Department of Health and Human Services, a private nursing home room can cost over $100,000 a year.
00:26Dental Care
00:27Routine dental services, including cleanings, fillings, and dentures, aren't covered under Original Medicare.
00:34While some Medicare Advantage plans offer limited dental benefits, many seniors pay out of pocket, with cleanings averaging $100 and dentures costing up to $3,000.
00:45Vision Care
00:47Medicare typically doesn't cover routine eye exams, glasses, or contact lenses.
00:52Coverage is limited to specific medical situations, such as post-cataract surgery care.
00:58For most people, eyewear expenses can quickly climb into the hundreds.
01:04Cosmetic Surgery
01:05Elective cosmetic procedures like facelifts or liposuction aren't covered unless they're medically necessary.
01:12Reconstructive surgeries after injuries or illnesses may qualify, but cosmetic enhancements are entirely self-funded.
01:20Hearing Aids
01:21Despite hearing loss affecting nearly one-third of adults over 65, Medicare does not cover hearing aids or fittings.
01:30Costs often range from $1,000 to $4,000 per ear, making this one of the most expensive coverage gaps.
01:37Acupuncture
01:39Medicare generally excludes acupuncture, except in limited cases such as specific chronic pain treatments.
01:46Anyone seeking regular alternative therapy typically pays out of pocket.
01:51Prescription Drugs
01:52Without Part D
01:54Original Medicare doesn't cover prescription medications.
01:58Without enrolling in a Part D plan, beneficiaries must shoulder the full cost of their prescriptions.
02:04Outpatient Care for Mental Health
02:06Under Part B
02:07While Medicare covers mental health services, outpatient therapy under Part B includes deductibles and coinsurance.
02:15Over time, frequent sessions can add up significantly.
02:19Medical Equipment and Supplies
02:20Medicare covers some durable medical equipment, but everyday supplies like bandages, monitors, or crutches are often excluded.
02:30Travel and International Care
02:31Healthcare outside the U.S. is rarely covered by Medicare.
02:36Unless you have supplemental or travel insurance, international medical bills are typically paid entirely out of pocket.
02:42Medical Equipment and Supplies
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