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Medicare Does Not Cover Everything Explained

As with any private or publicly-sponsored healthcare benefit coverage there are limits, and unfortunately some costly healthcare needs are not supported by traditional Medicare. Therefore, it's important to understand that Medicare Part A and Part B leave some pretty significant gaps in your health-care coverage.

Long-Term Care: Unfortunately, Medicare does not cover everything we need to support our healthcare journey. As example, Medicare doesn’t cover expenses related to long-term care --also called custodial care for activities of daily living (ADL) like bathing and dressing, if that's the only care you need. Most nursing home care is considered custodial care. However, under certain conditions, particularly after a hospitalization to treat an acute-care episode, Medicare will pay for medically necessary skilled-nursing facility or home health care. To cover those costs, you will have to rely on your savings, long-term-care insurance or Medicaid—if you meet the income and asset requirements.

Eyes, Ears, and Teeth: Traditional Medicare does not cover the costs for routine dental or eye care, or dentures and hearing aids.

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