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5 Things Medicare Doesn't Cover (and how to get them covered) - YouTube
Channel: Abt Insurance Agency
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so many people are surprised to find out
that there are some pretty routine
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things that medicare doesn't actually
cover so it's important to know what
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these things are
ideally before you get onto medicare or
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before you go and seek these services so
that you can avoid surprise medical
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bills in today's video i'm reviewing
five things that medicare doesn't cover
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and i'll be sharing some tips and
solutions on how you can actually get
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coverage for some of these things
so stay tuned
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hi everyone stephanie abt here
it's been a couple months since i made
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one of these videos i actually had
another baby i took a little bit of time
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off from making videos but i am back
here today and sharing some tips with
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you
and if you haven't already please
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subscribe to the channel if you find
value in these videos go ahead and like
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the video
definitely leave all of your questions
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comments for me below and i'll be sure
to apply to those so as you may already
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know traditional medicare is made up of
parts a and b
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and part a is your hospital insurance
coverage part b is your medical
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insurance coverage and between parts a
and b most all medically necessary
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services are
covered so your er visits your doctor's
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office visits your hospital stay
diagnostic testing and even most
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non-self-administered medications are
going to be covered by either parts a or
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b of medicare now unless you have a
medicare supplement plan you typically
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will be responsible for
some cost share for these services so
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you'll either be paying into a
deductible or you'll be paying a form of
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co-insurance for most of these
covered services and this video up here
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explains a little bit more about how
medicare supplement plans work with your
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traditional medicare and what they cover
so be sure to click on that watch that
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video also linked below if you'd like
some more information there but today
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what we want to focus on is what
medicare just doesn't cover so that you
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can be aware of these things before you
go and seek these services and we'll
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also talk about how to actually get some
of these things covered one of the big
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things that medicare doesn't cover is
eye exams so while traditional medicare
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does cover things like cataract surgery
and glaucoma treatment
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it does not cover routine eye
examinations or glasses or contact
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lenses in general some medicare
advantage plans do include
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some vision benefits however so for some
people it will make sense to buy a
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vision insurance policy to help offset
the cost of your eye exams glasses or
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contacts but you'll want to be aware
that most vision plans do have a cap or
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an annual maximum benefit
a total amount that the plan will pay
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per year
towards your glasses or contacts and
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that's usually around 150 to 200 a year
so you want to go ahead and weigh your
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expected vision expenses to see if a
plan like that would be worthwhile for
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you another big thing that medicare
doesn't cover is hearing aids now
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medicare does cover ear related medical
conditions
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but traditional medicare
does not cover routine hearing tests or
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hearing aids now if you have a medicare
advantage plan you will want to go ahead
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and check your policy benefits to see if
it covers any of your hearing related
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needs if it doesn't or if you just have
traditional medicare then you can look
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into purchasing a discount plan that may
help reduce the cost of your hearing
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aids also there are some programs and
i'll link more information
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below that help lower income individuals
with their hearing needs additionally
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congress passed legislation a few years
back that allows some hearing aids to be
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sold
over the counter or you can pay as you
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go another one and this is a big one
that medicare doesn't cover
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are dental services medicare does not
cover dental exams or dental work i have
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another video that i will link up here
as well as in the description below that
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goes into more depth on what your
options are if you're on medicare and
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you need
dental coverage and in general some
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medicare advantage plans will include
some dental benefits you can also
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purchase a standalone dental plan there
are dental discount plans available that
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are really popular with many seniors and
there are also dental vision hearing
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combo plans and those are becoming more
and more popular to help cover some of
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these big expenses related to
dental vision hearing what we just
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covered so be sure to click the link in
the description below to learn more
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about those options another thing that
traditional medicare has limited
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coverage for is a full routine annual
physical examination that includes blood
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work and a lot of people are surprised
to learn this when they get onto
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medicare medicare instead covers what
they call a medicare wellness exam and
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this is kind of a par down version
of a routine physical examination now i
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cover this in more depth in a video that
i will also link below and you can see
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on the screen right now some of the
differences between a routine physical
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examination which is not covered by
traditional medicare and an annual
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medicare well check which medicare does
cover at 100 percent so in order to
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avoid unexpected medical bills you'll
want to be sure that when you are going
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into your doctor for your annual checkup
that you're telling your doctor's office
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that you want your annual medicare
wellness exam
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not a full routine physical examination
now if you do want a full routine
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physical exam that includes the blood
work then you may be responsible for
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some or all of the costs depending on
your plan and additionally the medical
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community has recently questioned the
value of these full routine physical
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examinations in recent years and this is
due in part to over testing false
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positives and unnecessary medical costs
so you will need to decide if you want
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to get a full routine physical
examination based on your needs your
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plan
your budget but it is important to take
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advantage of your medicare benefits and
at least get your medicare wellness exam
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each year because that is covered at 100
and finally medicare doesn't cover
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nursing home care or long-term care so
medicare will cover a limited stay in a
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skilled nursing facility so let's say
for example you break a bone or you have
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a hip replacement and you need
inpatient rehabilitation
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medicare will cover your stay in a
skilled nursing facility in general
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however when you
need just help with the activities of
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daily living custodial care they call it
help with your bathing
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toileting dressing etc that's going to
be considered long-term care and that is
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not covered by medicare or medicare
advantage plans and in many parts of the
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country the average annual costs in a
nursing home are going to be about 90 to
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100 000
per year so it is a big expense so
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planning for your nursing care is a
pretty big deal whether you are
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budgeting and saving or looking to
purchase maybe a long-term care
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insurance policy for many people with
limited income and savings medicaid is
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really going to help to fill in those
gaps but i recommend speaking with a
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financial advisor to help you plan out
for these potential future expenses so
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while these aren't the only things that
medicare doesn't cover these are five of
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the really big ones that we get asked a
lot about in my office and it's
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definitely important to be aware of
these potential out-of-pocket costs that
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you may be responsible for before you
start using your benefits additionally
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you're going to want to be aware of the
different types of plans available to
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you in your area medicare advantage
plans medicare supplement plans and how
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they work and this is where we can
definitely help you can jump on over to
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aptininsuranceagency.com that's linked
below for free no obligation quotes on
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medicare supplement plans in your area
and my team and i are here to assist and
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answer your questions
our service is 100
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free of charge so we work in almost
every state and we specialize in helping
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people decide if they should go with
traditional medicare perhaps purchase a
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medigap plan
or if they should choose a medicare
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advantage plan and we do this by
conducting a needs analysis reviewing
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your needs your budget so that you can
find the solution that best fits you we
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are independent brokers so we are truly
able to take an unbiased approach to
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helping our clients please feel free to
give us a call shoot us an email again
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we'd be happy to help
thank you so much for watching today
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and we'll see you soon
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[Music]
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you
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