8 Things Original Medicare Does Not Cover: Navigating Coverage Gaps in North Carolina
Medicare is a crucial resource for many North Carolinians, covering essential healthcare needs such as hospital stays, physician visits, and preventive services. However, it doesn't cover everything. Here’s a guide to some common healthcare needs not covered by Original Medicare, along with potential solutions.
Vision Care While Original Medicare covers conditions like cataract surgery, routine eye exams, glasses, and contacts are not covered. Solution: Look into Medicare Advantage plans that include vision benefits or consider purchasing separate vision insurance for comprehensive eye care coverage.
Hearing Aids Medicare does not cover hearing aids or routine hearing exams, though it covers medical conditions related to the ears. Solution: Explore hearing aid coverage options under Medicare Advantage or seek out insurance and discount programs designed to reduce costs on these devices.
Dental Care Routine checkups and major dental procedures aren't covered by Original Medicare. Solution: Many Medicare Advantage plans offer dental benefits. Alternatively, individual dental insurance or discount programs could fill this gap.
Overseas Medical Care There is limited to no coverage under Original Medicare for healthcare costs incurred outside the U.S. Solution: Consider Medigap plans with foreign travel emergency benefits or invest in travel insurance for health coverage while abroad.
Specialist Services Original Medicare does not cover podiatry for non-diabetic conditions, most chiropractic services, and all cosmetic surgeries. However, it covers chiropractic care specifically for spinal manipulation. Solution: Broaden your coverage with Medicare Advantage or set aside funds in a health savings account if you're eligible.
Alternative Therapies Medicare recently extended coverage to include acupuncture for chronic low-back pain, but does not cover other therapies like massage. Solution: Consult with your provider about covered pain management strategies, and check Medicare Advantage plans for additional benefits like chiropractic care and physical therapy.
Long-Term Care Medicare does not cover long-term custodial care. Solution: Plan ahead with long-term care insurance or explore Medicaid eligibility for financial assistance. Some Medicare Advantage plans might offer coverage for short-term care needs.
Concierge Medicine This type of personalized care requires a membership fee not covered by Medicare. Solution: Assess the cost against the benefits. For some, the personalized attention of concierge care might be worth the investment.
Navigating Your Medicare Options in North Carolina
By understanding what Original Medicare does and does not cover, you can make informed decisions about additional coverage. Medicare Advantage or Medigap plans can provide the extra benefits you need. If you have specific needs or questions, don't hesitate to contact Palmetto Medicare Advisors at (919) 897-7198. Our experts are ready to help you find the right solutions for your healthcare needs.