Plan for What Medicare Does Not Cover

Are you aware of what Medicare does not cover?

Millions of American seniors, and skilled people with disabilities depend on Medicare for their health insurance in the United States. This great government program helps these people to afford health care, but it does not provide 100%  coverage. There are some services that may be covered, but not one hundred percent. Even if you have Medicare, you still have to pay part of the cost of your health services yourself. It is important that you learn about your benefits so that you know what is covered and what is not.

Consider some general health needs that are not covered by basic Medicare benefits.

Long-term care:

The basic program limits the level of care that it covers. You can limit yourself to a certain number of days of normal care costs. If you need regular care, either from assisted living, a nursing home, adult day care or home help, you can enjoy the benefits of relying on Medicare cover. This is probably also true if you have an advantage or supplement plan.

Another type of health insurance that should cover this type of care is Long-term care insurance. Otherwise, Medicaid may override the Qualified Beneficiaries tab. There are also other ways to plan these expenses.  Enroll in a 2019 medicare advantage plan at to save money.

By the way, if you’re researching pension insurance, make sure you understand the difference between Medicare and Medicaid. Medicaid is a health insurance program for people with very few assets and low income.

Medical travel costs:

The basic program hardly pays for healthcare outside the United States. If you want to travel to another country, you will not be able to count on your Medicare benefits. Some supplements may expand this coverage or you may purchase an additional travel health insurance plan. If you are traveling outside the US, it is a good idea to research these plans.

This may sound surprising, but as you can imagine, that there are several reasons for this limitation. Some of these may be political, others may be financial.

Vision, Dental, and hearing:

Medicare Advantage plans 2019The seniors and the disabled people need vision, dental, and hearing aids, Medicare however offers very limited coverage for these services. You can’t rely on your benefits to help you pay the ophthalmologist, dentist, or hearing care professional. These are serious health needs, but beneficiaries need to find alternative ways to finance those services most of the time.

You can pay for these services out of pocket. You can also choose to purchase extra coverage from a private insurer. There are also materials available to help people on low incomes get the services they need.

Why worry about things not covered by Medicare?

An understanding what your services are helping you and what they will not pay for, is imperative. This will help you prepare for a safe and comfortable retirement period. You may need to reserve more money for these expenses, or you may decide to buy private cover. The right approach really depends on your own individual circumstance.