When it comes to Medicare, one of the biggest surprises seniors and their families face is finding out what’s not covered. Many people assume Medicare will take care of all healthcare costs, but that’s not the case.
To help you plan, let’s break down five important things Medicare will never cover, plus smart steps you can take to protect yourself and your loved ones.
1. LONG-TERM HOME CARE
Many families are surprised to learn that Medicare does not pay for daily in-home caregivers.
- What’s covered: Short-term skilled care after a hospital stay (like a nurse or physical therapist).
- What’s not covered: Help with meals, bathing, dressing, companionship, or ongoing daily support.
What to do instead: Plan for private pay, research long-term care insurance, or explore Medicaid options if you qualify.
2. CUSTODIAL CARE IN A NURSING HOME
If a loved one needs long-term nursing home care for conditions like dementia or mobility issues, Medicare won’t foot the bill.
- Medicare covers rehab stays(up to 100 days after a hospital stay).
- But it doesn’t cover ongoing“custodial care” (help with daily living).
What to do instead: Budget for private pay, research Medicaid eligibility, or consider assisted living communities with payment plans.
3. MOST DENTAL CARE
Oral health is a big part of aging well, but Medicare won’t cover:
- Routine checkups.
- Fillings, extractions, or dentures.
- Implants.
What to do instead: Check out Medicare Advantage plans (some include dental benefits), buy standalone dental insurance, or use community dental programs.
4. VISION AND HEARING AIDS
Good eyesight and hearing are essential for independence, yet Medicare doesn’t cover:
- Eyeglasses.
- Contact lenses.
- Hearing exams or hearing aids.
What to do instead: Look for Advantage plans with these benefits, or budget for out-of-pocket expenses. Some states also provide assistance programs for seniors.
5. ROUTINE CARE WHILE TRAVELING ABROAD
Planning a dream trip? Be aware that Medicare doesn’t cover medical care outside the U.S. (except in very limited situations).
What to do instead: Buy travel medical insurance before leaving the country. Some Medigap policies also provide limited foreign travel coverage.
FINAL THOUGHTS
Medicare is an incredible program that provides essential health coverage, but it’s not a complete safety net. Knowing what’s not covered helps you plan smarter and avoid costly surprises.
Act today:
- Explore private pay options for home care.
- Consider supplemental insurance for dental, vision, and hearing.
- Join a membership or program that keeps you updated on Medicare changes.
That’s exactly why I created my Golden Path Medicare & Care Planning Membership — to give seniors and families ongoing guidance, updates, and tools to make confident decisions.