What does Medicare not cover?
There have been a lot of TV commercials for Medicare supplements. You mention the fact that Medicare does not cover everything, and that some people may want to buy extra coverage. For me, it’s a good idea to find out which common types of health services are not covered by the original plan, decide what you need, and then choose what additional coverage you want to buy. Some of these benefits may be covered by additional health plans, but some may not be covered.
What types of medical services are rarely covered by Medicare? This is not the whole list of things that Original Medicare does not really cover. It is a list of the most common types of health services that many people can accept.
Regular, long-term care is not covered. Irregular or short-term care can be covered. You would have to make other plans to pay for long-term care,.
Common dental services, such as check-ups, fillings and crowns are usually not covered. Medicare offers very limited dental care.
The routine care is usually not covered by the basic plan.
If you plan to travel from the US, you should know that Medicare rarely covers foreign health care. They make some exceptions, but these do not apply to most people who want to travel overseas.
Of course, recipes are usually not included in the baseline. I did not include them in the above list because Medicare beneficiaries can buy RX plans nowadays. Some Medicare Advantage (MA) plans also bundle this coverage. Enroll and get a quote for 2020 supplements at https://www.medicaresupplementplans2020.com/
Are you bothered about health services not covered by Medicare?
If you want to plan for the cost of nursing care, you need to look for an alternative solution. You can take out long-term care insurance. There are a whole range of state and federal incentives to buy this coverage now. Of course, there are also alternative planning options. Above all, you should only realize that regular, long-term care is expensive, and that it is not covered by your basic Medicare benefits!
If you are concerned about the cost of a visual aid or dental, you can consider a separate policy. If you do not want to spend money for extra coverage, you can also look for help that low-income people may receive from the government or from private organizations. There are several additional county, state, and federal programs that can support qualified residents. Some dental colleges and local foundations can provide additional services for low-income seniors.
Do you intend to travel during your retirement years? If so, you may want to choose a supplement with good travel health insurance overseas. You can also purchase stand-alone coverage for your trips. Just make sure you understand that your basic Medicare benefits rarely cover overseas medical care. Do not count on health insurance if you leave the US. In fact, some Medicare health plans, like MA HMO plans, may only provide in-network coverage in your area. Many of them will cover emergencies, only in the United States.
Part of a good retirement plans is to make sure that you have the health insurance you need.