Rachel Christian, writer and researcher for RetireGuide
  • Written by
    Rachel Christian

    Rachel Christian

    Financial Writer and Certified Educator in Personal Finance

    Rachel Christian is a writer and researcher for RetireGuide. She covers annuities, Medicare, life insurance and other important retirement topics. Rachel is a member of the Association for Financial Counseling & Planning Education.

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  • Edited By
    Lee Williams
    Lee Williams, senior editor for RetireGuide.com

    Lee Williams

    Senior Financial Editor

    Lee Williams is a professional writer, editor and content strategist with 10 years of professional experience working for global and nationally recognized brands. He has contributed to Forbes, The Huffington Post, SUCCESS Magazine, AskMen.com, Electric Literature and The Wall Street Journal. His career also includes ghostwriting for Fortune 500 CEOs and published authors.

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  • Reviewed By
    Aflak Chowdhury
    Aflak Chowdhury

    Aflak Chowdhury

    Medicare Expert

    Aflak Chowdhury is a Medicare expert and independent insurance broker specializing in group health insurance. He has worked for major providers including Humana and Principal Financial Group and today works mainly in the small group market.

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  • Published: November 3, 2020
  • Updated: October 23, 2023
  • 7 min read time
  • This page features 23 Cited Research Articles
Fact Checked
Fact Checked

A licensed insurance professional reviewed this page for accuracy and compliance with the CMS Medicare Communications and Marketing Guidelines (MCMGs) and Medicare Advantage (MA/MAPD) and/or Medicare Prescription Drug Plans (PDP) carriers’ guidelines.

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How to Cite RetireGuide.com's Article

APA Christian, R. (2023, October 23). What’s Not Covered By Medicare Part A & Part B? RetireGuide.com. Retrieved July 15, 2024, from https://www.retireguide.com/medicare/original-medicare/not-covered/

MLA Christian, Rachel. "What’s Not Covered By Medicare Part A & Part B?" RetireGuide.com, 23 Oct 2023, https://www.retireguide.com/medicare/original-medicare/not-covered/.

Chicago Christian, Rachel. "What’s Not Covered By Medicare Part A & Part B?" RetireGuide.com. Last modified October 23, 2023. https://www.retireguide.com/medicare/original-medicare/not-covered/.

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Key Principles

RetireGuide’s mission is to provide seniors with resources that will help them reach important financial decisions that affect their retirement. Our goal is to arm our readers with knowledge that will lead to a healthy and financially sound retirement.

We’re dedicated to providing thoroughly researched Medicare information that guides you toward making the best possible health decisions for you and your family.

RetireGuide LLC has partnerships with Senior Market Sales (SMS) and GoHealth.

Our partners are able to be reached through the phone numbers and/or forms provided on our website.

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While the experts from our partners are available to help you navigate various Medicare plans, RetireGuide retains complete editorial control over the information it publishes.

We operate independently from our partners, which allows the award-winning RetireGuide team to provide you with unbiased information.

Visitors can trust our inflexibility regarding our editorial autonomy. We do not allow our partnership to influence RetireGuide’s editorial content whatsoever.
Key Takeaways
  • Original Medicare does not cover some fundamental health care costs.
  • Medigap and Medicare Part D prescription plans help fill coverage gaps. Medicare Advantage plans replace Original Medicare altogether.
  • Original Medicare does not cover treatment outside of the U.S., except under very limited circumstances.

Understanding Coverage Gaps in Original Medicare

Many retirees think Medicare covers most health care expenses.

In reality, Medicare Part A and Part B — otherwise known as Original Medicare — has several coverage gaps.

In general, Original Medicare does not cover:
  • Prescription drugs
  • Long-term care (such as extended nursing home stays or custodial care)
  • Hearing aids
  • Most vision care, notably eyeglasses and contacts
  • Most dental care, notably dentures
  • Most cosmetic surgery
  • Massage therapy
  • Sterilization, including a hysterectomy (unless it's deemed medically necessary)
  • Medical marijuana
  • Medical expenses outside the United States

There are some exceptions, but beneficiaries should be aware of what is not covered by Medicare and plan accordingly.

A Medicare Advantage plan, also known as Part C, acts as an all-in-one alternative to Original Medicare and is offered by government-approved private insurance companies.

Medicare Advantage plans must provide the same base level of care as Medicare Part A and Part B but may also bundle other benefits, such as prescription drugs, dental, vision and hearing, into a single plan.

However, coverage for these additional services may be limited.

In 2020, the average spending for a person with Medicare coverage was $10,739, according to a June 2022 analysis by the Kaiser Family Foundation — a leading nonprofit focused on national health policy issues.

Long-term care, certain medical supplies, prescription drugs and dental services accounted for the biggest out-of-pocket costs, the study found.

It’s important to note that Medicare Part B includes a standard monthly premium of $174.70 in 2024. There are also deductibles, coinsurance and copayments, which can further drive up out-of-pocket expenses for beneficiaries.

The easiest way to look up services and procedures covered by Medicare is by using Medicare's coverage tool, an online resource that allows you to enter the test, item or service you need and shows you the details of your coverage, including any costs that may arise from exceptional circumstances.
Source: Medicare.gov
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Prescription Drug Coverage

Original Medicare does not cover most prescription drugs.

However, You Can Get Drug Coverage One of Two Ways
  1. With a standalone Medicare Part D prescription drug plan
  2. With a Medicare Advantage plan that includes prescription drug coverage

You can use the Medicare Plan Finder to compare Part D or Medicare Advantage plans in your area.

Medicare Part B may cover some outpatient drugs under limited circumstances.

For example, certain injectable osteoporosis drugs and oral drugs for end-stage renal disease are covered.

In general, drugs covered under Medicare Part B are usually received at a doctor’s office or hospital outpatient setting.

In these situations, you’ll owe 20 percent of the Medicare-approved amount for covered Part B drugs administered in a doctor’s office or pharmacy, and the Part B deductible applies.

Long-Term Care Coverage

Original Medicare does not cover the cost of long-term care, including extended stays at nursing homes and assisted living facilities.

Custodial care — or help with performing activities of daily living, such as dressing, eating or bathing — isn’t covered, either.

Medicare Advantage plans also lack long-term care coverage.

Medicare will cover some costs at a skilled nursing facility for up to 100 days. A short-term stay at these facilities must take place within 30 days of leaving the hospital and for the same illness or injury.

Did You Know?
In 2021, the median cost of a private room in a nursing home was $9,034 a month.

Long-term care is often considered one of the most expensive health care costs in retirement.

Private long-term care insurance can help, although policy premiums are often high.

Medicaid, a joint federal and state government program, is another way to pay for long-term care, but it’s available only to seniors with limited income and few resources.

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Dental, Vision and Hearing Coverage

Generally, Original Medicare does not cover dental work and routine vision or hearing care.

Original Medicare won’t pay for routine dental care, visits, cleanings, fillings dentures or most tooth extractions.

The same holds true for routine vision checks. Eyeglasses and contact lenses aren’t generally covered.

However, Medicare Part B may cover tests and treatments for certain serious eye conditions, although you will still owe a copayment, and your Part B deductible applies.

Vision Care Covered by Medicare Part B
  • Yearly eye exam for people with diabetes
  • Glaucoma tests for people at high risk
  • Macular degeneration tests and treatment
  • Cataract removal surgery
  • One pair of eyeglasses or one set of contact lenses after cataract surgery

Finally, Original Medicare won’t pay for hearing aids or the exam required to select and fit these devices.

Did You Know?
In 2022, the average cost of one hearing aid was about $2,000.
Source: Forbes

Medicare Part B may pay a portion of diagnostic hearing and balance exams but only if a doctor orders them in an emergency or to determine whether you need medical treatment.

For example, a doctor may order these tests to diagnose the cause of dizziness or vertigo.

If you decide to go with a Medicare Advantage plan, there’s a good chance dental and vision will be included. However, coverage may be limited.

Cosmetic Surgery Coverage

Like many health insurance plans, Medicare does not typically cover cosmetic surgery.

However, there are a few exceptions.

If you had a mastectomy because of breast cancer, Medicare covers breast prostheses for breast reconstruction.

Also, if cosmetic surgery is deemed necessary as a result of an accidental injury, or to improve the function of a malformed body part, Medicare covers 80 percent of approved costs.

For example, rhinoplasty is a procedure that changes the shape and contour of the nose.

If a doctor believes a rhinoplasty is medically necessary to correct a congenital defect or traumatic injury that causes a functional impairment, Medicare will likely cover this procedure.

It may also be covered to fix a chronic nasal obstruction that cannot be effectively treated in a less invasive way.

However, Medicare will never cover a procedure for cosmetic reasons.

Medicare may require prior authorization for some procedures. In these cases, the hospital or physician must provide medical records to Medicare for review.

Alternative Medicine

Original Medicare will not cover some forms of alternative medicine, including experimental procedures, medical marijuana and massage therapy — even if these treatments are prescribed by your doctor.

Medicare pays for chiropractic manipulation only if one or more bones in your spine have slipped out of position.

This chiropractic service must be deemed medically necessary by your doctor, and you will owe 20 percent of the approved cost.

Medicare began covering acupuncture in January 2020, but only for chronic lower back pain, and restrictions may apply.

Medical Coverage Outside the United States

Original Medicare generally does not cover treatment outside the United States, except under very limited circumstances, such as on a cruise ship within six hours of a U.S. port.

However, some Medicare supplement insurance policies — also known as Medigap — cover overseas health care costs.

Medigap plans C, D, F, G, M, and N provide foreign travel emergency health care coverage outside the United States.

These Medigap Plans Will Cover
  • Foreign travel emergency care if it begins during the first 60 days of your trip
  • Eighty percent of billed charges for certain medically necessary emergency care after a $250 yearly deductible is met

A lifetime coverage limit of $50,000 applies.

In 2020, the average premium for a Medigap policy was roughly $150 per month, or $1,800 per year, according to full-service insurance organization Senior Market Sales.

Coverage Gaps of Medicare Part A & Part B FAQs

What is not covered by Medicare Part A?
Medicare Part A hospital insurance provides inpatient hospital coverage. But it does not cover a private room — unless it’s medically necessary — the first three pints of blood, a private nurse, television, telephone or personal items needed for your hospital stay.
What does Medicare Part B not cover?
Medicare Part B covers costs associated with doctors’ care outside of a hospital. Part B does not cover hearing aids or hearing tests, cosmetic surgery, massage therapy, routine physical exams, concierge care and several other outpatient services.
What are three services not covered by Medicare?
There are several services Medicare does not cover including long-term care in a nursing home or similar facility, routine dental care including dentures and vision care including prescription eyeglasses.
Last Modified: October 23, 2023

23 Cited Research Articles

  1. U.S. Centers for Medicare & Medicaid Services. (2023, October 12). 2024 Medicare Parts A & B Premiums and Deductibles. Retrieved from https://www.cms.gov/newsroom/fact-sheets/2024-medicare-parts-b-premiums-and-deductibles
  2. U.S. Centers for Medicare & Medicaid Services. (2022). Costs. Retrieved from https://www.medicare.gov/basics/costs/medicare-costs
  3. Gordon, S. (2022, August 16). The Actual Cost of Hearing Aids in 2022. Retrieved from https://www.forbes.com/health/hearing-aids/actual-cost-of-hearing-aids/
  4. Kaiser Family Foundation. (2022, June 1). Traditional Medicare Spending Fell Almost 6% in 2020 as Service Use Declined Early in the COVID-19 Pandemic. Retrieved from https://www.kff.org/medicare/issue-brief/traditional-medicare-spending-fell-almost-6-in-2020-as-service-use-declined-early-in-the-covid-19-pandemic/
  5. Genworth Financial. (2022). Cost of Care Survey. Retrieved from https://www.genworth.com/aging-and-you/finances/cost-of-care.html
  6. U.S. Centers for Medicare & Medicaid Services. (2020, January 21). CMS Finalizes Decision to Cover Acupuncture for Chronic Low Back Pain for Medicare Beneficiaries. Retrieved from https://www.cms.gov/newsroom/press-releases/cms-finalizes-decision-cover-acupuncture-chronic-low-back-pain-medicare-beneficiaries
  7. Cubanski, J. et al. (2019, November 4). How Much Do Medicare Beneficiaries Spend Out of Pocket on Health Care? Retrieved from https://www.kff.org/medicare/issue-brief/how-much-do-medicare-beneficiaries-spend-out-of-pocket-on-health-care/
  8. Levine, H. (2019, May 2). 4 Ways to Spend Less on a Hearing Aid. Retrieved from https://www.consumerreports.org/hearing-aids/ways-to-spend-less-on-a-hearing-aid/
  9. Genworth Financial. (2019). Cost of Care Survey. Retrieved from https://www.genworth.com/aging-and-you/finances/cost-of-care.html
  10. O’Brien, S. (2018, May 10). Medicare doesn’t cover everything. Here’s how to avoid surprises. Retrieved from https://www.cnbc.com/2018/05/03/medicare-doesnt-cover-everything-heres-how-to-avoid-surprises.html
  11. AARP. (n.d.). Does Medicare Cover Cataract Surgery? Retrieved from https://www.aarp.org/health/medicare-qa-tool/does-medicare-cover-cataract-surgery/
  12. AARP. (n.d.). Does Medicare Pay for Nursing Homes? Retrieved from https://www.aarp.org/health/medicare-qa-tool/current-long-term-nursing-home-coverage/
  13. Medicare.gov. (n.d.). Acupuncture. Retrieved from https://www.medicare.gov/coverage/acupuncture
  14. Medicare.gov. (n.d.). Chiropractic Services. Retrieved from https://www.medicare.gov/coverage/chiropractic-services
  15. Medicare.gov. (n.d.). Cosmetic surgery. Retrieved from https://www.medicare.gov/coverage/cosmetic-surgery
  16. Medicare.gov. (n.d.). Dental services. Retrieved from https://www.medicare.gov/coverage/dental-services
  17. Medicare.gov. (n.d.). Eye exams (routine). Retrieved from https://www.medicare.gov/coverage/eye-exams-routine
  18. Medicare.gov. (n.d.). Eyeglasses & contact lenses. Retrieved from https://www.medicare.gov/coverage/eyeglasses-contact-lenses
  19. Medicare.gov. (n.d.). Hearing & balance exams. Retrieved from https://www.medicare.gov/coverage/hearing-balance-exams
  20. Medicare.gov. (n.d.). Medigap & travel. Retrieved from https://www.medicare.gov/supplements-other-insurance/medigap-travel
  21. Medicare.gov. (n.d.). Prescription drugs (outpatient). Retrieved from https://www.medicare.gov/coverage/prescription-drugs-outpatient
  22. Medicare.gov. (n.d.). What’s not covered by Part A & B? Retrieved from https://www.medicare.gov/what-medicare-covers/whats-not-covered-by-part-a-part-b
  23. National Council on Aging. (n.d.). Medicare and Hearing. Retrieved from https://www.ncoa.org/economic-security/benefits/other-benefits/medicare-and-hearing/