Medicare is powerful — but it has some surprising blind spots. Here are 10 things most Alabama seniors don't realize Medicare won't pay for.
1. Long-Term Care in a Nursing Home
Medicare only covers skilled nursing care for up to 100 days after a hospital stay. If you need long-term custodial care, you're on your own — and the average Alabama nursing home costs $7,300/month.
2. Dental Care
Original Medicare doesn't cover routine dental work: no cleanings, fillings, dentures, or extractions. Yet dental health directly impacts heart disease and diabetes management.
3. Vision and Eye Exams
Routine eye exams and eyeglasses aren't covered. Medicare only covers eye care for specific medical conditions like glaucoma or cataracts.
4. Hearing Aids
Despite hearing loss affecting 1 in 3 seniors, Medicare doesn't cover hearing aids or routine hearing exams. A single hearing aid can cost $1,500-$3,000.
5. Overseas Healthcare
Planning to travel? Original Medicare provides almost no coverage outside the United States. A medical emergency abroad could cost you everything.
6. Cosmetic Surgery
Even procedures that seem medically necessary — like removing excess skin after weight loss — are typically not covered if deemed "cosmetic."
7. Acupuncture (Except for Back Pain)
Medicare recently started covering acupuncture, but only for chronic lower back pain. Other uses aren't covered.
8. Concierge or Private-Duty Nursing
If you want a private nurse at home for non-skilled care, Medicare won't help. This includes help with bathing, dressing, and daily activities.
9. Most Prescription Drugs (Without Part D)
Original Medicare Parts A and B don't cover prescriptions you fill at a pharmacy. You need a separate Part D plan.
10. Alternative Therapies
Massage therapy, naturopathy, and most chiropractic services beyond spinal manipulation aren't covered.
Fill the Gaps in Your Coverage
A Medicare Supplement plan can cover many of these out-of-pocket costs. Talk to us about your options.
