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Original Medicare doesn't cover most routine dental, vision, or hearing care, and it doesn't cover long-term custodial care. On its own it also has no annual out-of-pocket limit. Many people fill these gaps with Medicare Advantage, Medigap, Part D, or standalone dental and vision plans.
Original Medicare doesn't cover most routine dental care — cleanings, fillings, dentures, or extractions. It may cover dental work only in limited situations tied to a covered medical procedure.
Many people add a standalone dental plan, or choose a Medicare Advantage plan that includes dental benefits, to cover routine care.
Original Medicare generally doesn't cover routine eye exams, glasses, contacts, routine hearing exams, or hearing aids.
Some Medicare Advantage plans include vision and hearing benefits, and standalone plans can help fill these gaps if you stay with Original Medicare.
Medicare does not cover long-term custodial care — the ongoing help with daily activities like bathing, dressing, and eating that many people eventually need.
Medicare may cover short-term skilled nursing or rehabilitation after a qualifying hospital stay, but not extended custodial care. Planning ahead for this gap is important.
Original Medicare (Parts A and B) doesn't include most outpatient prescription drug coverage.
To get drug coverage, you add a standalone Part D plan to Original Medicare, or choose a Medicare Advantage plan that includes Part D.
Depending on your path, you can fill gaps with a Medigap plan (for cost-sharing), a Part D plan (for drugs), and standalone dental and vision plans — or with a Medicare Advantage plan that bundles many of these extras together.
Supplemental coverage like accident or critical illness insurance can add further financial protection. We help you map your gaps to the coverage that closes them.
Betsy is a licensed local broker who can walk you through your options with no pressure — and no cost.
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Original Medicare generally doesn't cover routine dental or vision care. Many people add a standalone dental or vision plan, or choose a Medicare Advantage plan that includes those benefits.
Medicare doesn't cover long-term custodial care. It may cover short-term skilled nursing or rehab after a qualifying hospital stay, but not ongoing help with daily living activities.
Original Medicare wasn't built with an annual out-of-pocket cap. That's a key reason many people add a Medigap plan or choose Medicare Advantage, which does cap yearly out-of-pocket spending.
Related coverage and guides that pair well with this topic.
Simply Insurance helps people in Castle Pines, Castle Rock, the South Denver metro area, and across Colorado compare Medicare Advantage options, provider networks, prescription drug coverage, and enrollment next steps.
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