Medicare covers a lot—but not everything. Here are 10 common services it skips, and how to plan ahead.

While Medicare handles hospital stays, doctor visits, and many prescriptions, it leaves gaps that can surprise even seasoned beneficiaries. Here's a condensed guide to 10 services Medicare doesn’t cover—and smart ways to manage the costs.

🦷 1. Dental Care

No coverage for cleanings, fillings, dentures, or root canals. Medicare only pays for dental exams tied to specific medical treatments (e.g., organ transplants, cancer care).

Fix: Consider a dental insurance or discount plan or choose a Medicare Advantage plan with dental benefits.

👓 2. Routine Vision Care

Eye exams, glasses, and contacts aren’t covered. Cataract surgery and diabetic eye exams are exceptions.

Fix: Buy separate vision insurance or choose a Medicare Advantage plan with vision perks.

🔊 3. Hearing Aids

Hearing tests and aids are excluded. Medicare Part B covers diagnostic exams only if medically necessary.

Fix: Look into Medicare Advantage plans, discount programs, or over-the-counter hearing aids.

💆‍♂️ 4. Chiropractic & Massage Therapy

Only spinal manipulation for subluxation is covered. Massage therapy is not covered—even for chronic pain.

Fix: Some Advantage plans may help; otherwise, expect to pay out-of-pocket.

💉 5. Cosmetic Surgery

Elective procedures like facelifts or tummy tucks aren’t covered. Reconstructive surgery after injury or illness may be.

Fix: Save separately or explore financing options with providers.

🦶 6. Routine Foot Care

Callus removal and nail trimming aren’t covered. Medicare pays for foot care only if linked to diabetes or injury.

Fix: Budget for routine podiatry or seek supplemental coverage.

✈️ 7. Overseas Medical Costs

Medicare doesn’t cover care outside the U.S. Emergency air transport can be especially costly.

Fix: Medigap plans may cover 80% of emergency care abroad (up to $50,000). Travel insurance is another option.

🏥 8. Long-Term Care

Nursing homes and assisted living aren’t covered. Medicare pays only for short-term rehab after hospitalization.

Fix: Consider long-term care insurance, Medicaid, or include costs in retirement planning.

🧘 9. Limited Acupuncture, No Massage

Up to 20 acupuncture sessions for chronic back pain are covered. Massage therapy is not.

Fix: Ask your provider about covered pain management alternatives.

🩺 10. Concierge Medicine

Membership fees for boutique practices aren’t covered. Medicare still applies to covered services once you’ve paid the fee.

Fix: Decide if the extra access is worth the cost or find a traditional provider.

Bottom line: Medicare is a strong foundation, but not a complete safety net. Planning ahead with supplemental insurance, savings, or alternative coverage can help you avoid costly surprises.

If you're interested in learning more about Medicare Advantage plans or other viable options, reach out to Ed Van Hal at 701-306-9972 or edvanhal@gmail.com.