Medicare Basics: What It Covers (and What It Doesn’t)

Medicare is a key part of retirement—but understanding what it covers (and what it doesn’t) can help you avoid unexpected costs.

What Medicare Covers

• Part A: Hospital stays and inpatient care
• Part B: Doctor visits and outpatient services
• Part D: Prescription drugs

What Medicare Doesn’t Cover

• Long-term care
• Most dental and vision services
• Extended nursing home stays

Additional Coverage Options

• Medigap (supplemental insurance)
• Medicare Advantage plans

Why This Matters

Gaps in coverage can lead to unexpected out-of-pocket expenses if you’re not prepared.

Understanding your coverage today prevents costly surprises tomorrow.

The Bottom Line

Medicare provides a strong foundation—but it’s not complete coverage.

Know what’s covered. Plan for what’s not. Stay in control.