What Does Medicare NOT Cover?

Medicare covers a lot — but not everything. Understanding the gaps can help you plan ahead and avoid surprise bills. Here's what's typically NOT covered by Original Medicare.

Routine dental, vision, and hearing care. Original Medicare doesn't cover routine cleanings, eye exams for glasses, or hearing aids. This is one of the biggest reasons people choose Medicare Advantage plans, which often include these as added benefits.

Long-term custodial care. If you need help with daily activities like bathing or dressing on an ongoing basis (not medical care), Medicare generally doesn't cover it. This is different from short-term skilled nursing care after a hospital stay, which Medicare Part A may cover.

Cosmetic surgery. Procedures done purely for appearance, not medical necessity, aren't covered.

Care received outside the United States. With very limited exceptions, Medicare doesn't cover healthcare received abroad. If you travel internationally, this is worth planning for separately.

Most prescription drugs — without Part D. Original Medicare (Parts A & B) doesn't include prescription drug coverage. You'll need a standalone Part D plan or a Medicare Advantage plan that includes drug coverage.

Some out-of-pocket costs. Even with Original Medicare, you're typically responsible for deductibles, copays, and coinsurance — which is where a Medigap policy can help.

Knowing these gaps ahead of time means no surprises later. If you want to talk through what coverage makes sense for your specific health needs and budget, I'm happy to help — no cost, no obligation.

Book a free consultation to review your coverage gaps.