What Does Medicare not Cover? Medicare Exclusions & Limitations

As you navigate your Medicare journey, it’s natural to focus on the benefits Medicare offers. However, it’s equally important to understand what Medicare does not cover. In this guide, we’ll peel back the layers of Medicare exclusions and limitations – the often-overlooked aspects that can impact your healthcare journey.

Sunnyside Medicare is here to shine light on your Medicare options and provide you with the guidance you need to navigate your healthcare confidently.

What Does Medicare Not Cover?

Medicare Part A


+ Inpatient Hospital Stays

+ Skilled Nursing Facility Care

+ Hospice Care

+ Some Home Health Care

Hospital Insurance


+ Long-Term Care

+ Custodial Care

+ Most Dental Care

Medicare Part B


+ Certain Doctor’s Services

+ Outpatient Care

+ Medical Supplies

+ Preventive Services

Hospital Insurance


+ Routine Dental Care

+ Most Vision Care

+ Hearing Aids

+ Cosmetic Surgery

Medicare Part C

+ Offered by private companies

+ Network Limitations

+ Coverage Restrictions

Medicare Part D

+ Long-Term Care

+ Custodial Care

+ Most Dental Care

The Role of Supplemental Coverage

To enhance their Original Medicare coverage, many seniors opt for supplemental plans like Medicare Supplement Insurance (Medigap) policies. These plans help cover expenses not included in Original Medicare, such as deductibles, copayments, and coinsurance, providing greater financial protection against healthcare costs. When considering supplemental plans, it’s crucial to compare options carefully based on factors like premiums, coverage limits, and provider networks to find the most suitable plan for individual needs and budget.

Additionally, Medicare Advantage plans offer an alternative to traditional Medicare by providing coverage through private insurance companies. These plans often include benefits beyond Original Medicare, such as prescription drugs, vision care, and dental services. By enrolling in a Medicare Advantage plan, beneficiaries can access comprehensive coverage that meets their specific healthcare needs.

Areas Not Covered by Original Medicare


+ Opticians and Eye Exams: Original Medicare excludes coverage for routine eye exams, glasses, and contact lenses. Consider purchasing separate vision insurance.


+ International Care: Original Medicare and most Medicare Advantage plans offer minimal coverage for medical expenses incurred outside the U.S. Consider Medigap policies with overseas coverage or invest in travel insurance for additional protection.


+ Nursing Home Care: Medicare provides limited coverage for rehab facilities but doesn’t cover custodial care in nursing homes. Explore Medicaid options for financial assistance with nursing home costs.

+ Long-Term Hospitalization: Original Medicare covers 90 days of hospitalization (you pay deductibles and copays per benefit period).


+ Podiatry: Routine foot care isn’t covered by Medicare unless it’s related to certain medical conditions. Plan ahead and set up a separate savings program for these expenses.


+ Hearing Aids: Original Medicare and Medigap plans typically don’t cover routine hearing tests or hearing aids. Look into Medicare Advantage plans or alternative options like insurance or discount plans.


+ Cosmetic Surgery: Elective cosmetic procedures aren’t covered by Medicare. Set up a separate savings plan if you’re considering such treatments.

+ Chiropractics: Original Medicare has limited coverage for chiropractic services. Check if your Medicare Advantage plan offers chiropractic coverage or inquire about payment plans with chiropractors.

+ Massage Therapy: Original Medicare doesn’t cover massage therapy, but some Medicare Advantage plans may offer coverage. Consult your healthcare provider for alternative pain management strategies covered by Medicare.

Boosting Your Coverage with Supplemental Plans

While Original Medicare provides essential healthcare coverage, it’s no secret that it leaves some gaps unfilled. That’s where supplemental coverage steps in to save the day. Supplemental plans, such as Medicare Supplement Insurance (Medigap) and Medicare Advantage plans, are designed to bridge these gaps and provide additional benefits that Original Medicare doesn’t cover.

Medicare Supplement Insurance Plans (Medigap)

Coverage for deductibles, copayments, and coinsurance Medigap plans help minimize out-of-pocket expenses for covered services.
Extended coverage for services like skilled nursing facility care and foreign travel emergencies Enjoy comprehensive coverage beyond what Original Medicare offers.
Various coverage options Each Medigap plan offers different levels of coverage, allowing you to choose the one that best suits your needs and budget.
Peace of mind With a Medigap plan, you can have greater peace of mind knowing your healthcare expenses are covered.

Medicare Advantage Plans (Medicare Part C)

Additional benefits beyond Original Medicare Medicare Advantage plans may offer coverage for prescription drugs, vision care, dental services, and more.
Provider network limitations Ensure your preferred providers are in-network before enrolling in a Medicare Advantage plan.
Coverage restrictions Some Medicare Advantage plans may have restrictions on coverage for certain procedures or treatments.
Cost considerations Consider premiums, coverage limits, and provider networks when choosing a Medicare Advantage plan.

How Can Sunnyside Make a Difference?

At Sunnyside Medicare, we understand the importance of comprehensive healthcare coverage. Our experienced agents specialize in helping seniors navigate the complexities of Medicare and supplemental insurance options. By working with Sunnyside Medicare, you gain access to:

+ Personalized Guidance: Our agents provide personalized guidance tailored to your healthcare needs and budget, helping you understand your coverage options and choose the right plan.

+ Access to Multiple Plan Options: Sunnyside Medicare partners with a wide range of insurance carriers, offering you access to multiple plan options. We’ll help you compare plans and find the one that best suits your needs.

+ Ongoing Support: From enrollment assistance to ongoing support, our team is here to help you every step of the way. Whether you have questions about your coverage or need assistance with claims, we’re always just a phone call away.

Empowering Seniors to Make Informed Decisions

As you prepare to transition into Medicare or continue your Medicare journey, it’s essential to be aware of its limitations and explore options for enhancing your coverage. By understanding what Medicare does not cover and the role of supplemental insurance, you can make informed healthcare decisions that prioritize your well-being. With Sunnyside Medicare by your side, you can navigate Medicare’s complexities with confidence, ensuring you have access to the coverage you need for a healthy and fulfilling retirement.

Looking for a helping hand in Auburn Hills, Michigan? Our licensed Medicare agents are ready to assist you with your Medicare enrollment. We understand that everyone has different preferences, so we can meet with you on your terms – whether you prefer a video conference, a phone call, or to meet in-person. At Sunnyside Medicare, we’re committed to providing personalized service tailored to your needs. Contact us today to schedule your ZERO COST, ZERO PRESSURE Medicare consultation.

Looking for a
Helping Hand?

Call us at 1-248-277-5948 to talk with a Sunnyside Agent. Our licensed Medicare Agents are friendly, knowledgeable, and always willing to take time to find the right plan for you! Not ready to talk on the phone? Send us an online message and an Agent will get back to you shortly. We look forward to helping you.