What isn’t Covered?

What isn't covered by Medicare?

By now you've probably done some research on what is covered by all of the different parts of Medicare. How about what's not covered? Generally speaking, if it's not medically necessary, it won't be covered. But let's get more specific. And remember, if it's not covered under your plan, you may be able to supplement with Medicare Supplement insurance.

Medicare Part A is inpatient care; hospital, skilled nursing facility, nursing home, etc. Part A won't cover outpatient services, vision, hearing, dental, and prescription drug coverage. However, you can add Part D for prescription coverage, or switch to Part C and get coverage for more services that way.

Medicare Part B is outpatient care; diagnosis, detection, treatment, etc. Part B won't cover inpatient services, vision, hearing, dental, and prescription drug coverage. However, similar to Part A, you can add Part D for prescription coverage, or switch to Part C and get coverage for more services that way.

Medicare Part C is the Medicare Advantage plans run through private insurance carriers. It combines services in Parts A and B, and most add additional benefits that aren’t available in Original Medicare.

Medicare Part D is prescription drug coverage. There are several options to choose from based on where you live, and your medications may not be covered under certain plans. Generally speaking Part D will not cover sexual health or weight loss medications.

Aside from those bundles, all Medicare packages do not cover:

Annual Physical - instead it's called an Annual Wellness Visit
Assisted Living
Blood Pressure Monitors
Chiropractic
Cosmetic Surgery
Dermatology
Foot Care
Funeral Expenses
Home Modifications
Incontinence Supplies
Long-term Care
Nursing Homes
Oral Surgery

Mobility Equipment and Medicare

Medicare will cover what you need, and are able to use, not necessarily what you want.

Manual Wheelchair

If you aren't steady enough with a cane or walker, and are still able to push, you might qualify for a manual wheelchair.

Power-Operated Vehicle/Scooter

If you aren't strong enough for a manual wheelchair, but can safely get in, sit up, and operate the controls, you might qualify for a power-operated scooter.

Power Wheelchair

If you aren't strong enough to sit up in the power-operated scooter, you might qualify for a power wheelchair.

In order to be approved for any of these devices, you must first visit your doctor's office in person.

If you have questions or concerns about what is or isn't covered under your plan, give one of our Independent Sales Representatives a call and they can walk you through your options.

Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. MasterCare LLC and Insuractive LLC are licensed and certified representatives of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans they represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov