Texas Medicare Supplement (Medigap)
What Does Medicare NOT Cover?
Written by David Hecker
Many people are under the misconception that Medicare will cover all of their health needs. That is simply not true.
Some of the Health care services not covered by Medicare include, but are not limited to:
Alernative Medicine: including experimental procedures and treatments, acupuncture, and chiropractic services (other
than manual subluxation of the spine)
Care received outside of the United States
Cosmetic Surgery: (unless it is needed to improve the function of a malformed part of the body)
Hearing Aids: or the examinations for prescribing or fitting hearing aids (except for implants to treat severe hearing loss in
Long Term Care: Generally, Medicare does not cover Long Term Care, including personal care, such as help with bathing,
toileting and dressing (unless homebound and receiving skilled care for a very limited amount of time) and nursing home
care (except in a skilled nursing facility if eligible for a very limited amount of time)
Non-Medical Services: including hospital television and telephone, a private hospital room, cancelled or missed
appointments, and copies of x-rays
Most Non-Emergency Transportation: including ambulette services
Preventive Care: including most routine physical examinations (except when first joining Medicare) and tests, and routine
foot care and eye care. Due to Healthcare Reform, Starting January 1, 2011, All Medicare Beneficiaries with
Medicare Part B coverage, will be entitled to an "Annual" physical.
Transportation, except for medically necessary ambulance services
Vision Care, including eyeglasses (except when following cataract surgery) and examinations for prescribing or fitting
Keep in mind that even for Medicare-covered services, Medicare does not pay 100 percent of the cost. Unless
you have supplemental insurance, you will have to pay deductibles and coinsurance.
David Hecker * 3010 Latonia St. Longview TX 75605
Licensed in Texas, Louisiana & Arkansas
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* Not connected with or endorsed by the United States government or the federal Medicare program.
|* Licensed Insurance Agent
dealing primarily with Medicare
Supplement (Medigap) policies