What Does Medicare Cover?
At its core, Medicare covers hospital care, outpatient services, and prescription drugs, but the way it’s structured can seem complex at first. Part A generally covers inpatient care like hospital stays, skilled nursing, and some home health services. Part B focuses on outpatient needs such as doctor visits, preventive care, lab tests, and durable medical equipment. Together, Parts A and B are often called “Original Medicare.”
If you want additional benefits, you may choose Part C (Medicare Advantage). These plans are offered by private insurers and combine Part A and Part B, often adding coverage for prescriptions, vision, dental, and even wellness programs. For medications, Part D specifically covers prescription drugs, helping reduce the cost of everything from common prescriptions to specialized treatments.
What Isn’t Covered by Medicare?
It’s important to remember that Medicare doesn’t cover everything. Long-term care in nursing homes, routine dental care, vision exams, and most hearing aids are generally excluded. That’s why many people add supplemental insurance (Medigap) or choose a Medicare Advantage plan that includes extra benefits.
Why Coverage Choices Matter
Your coverage decisions can directly impact both your access to care and your out-of-pocket costs. Someone who travels frequently across the country might prefer Original Medicare for its nationwide flexibility, while someone looking for bundled benefits and lower upfront costs may find Medicare Advantage more attractive. Prescription needs also play a role—choosing the right Part D plan can save you thousands of dollars over time.
Medicare coverage is designed to protect you, but it’s not one-size-fits-all. By understanding the different parts of Medicare and how they work together, you can tailor your healthcare plan to your personal needs. Taking the time to review your options ensures you get the care you need without unexpected expenses.
