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

Medicare is a critical part of retirement—but understanding what it covers (and what it doesn’t) is essential for avoiding unexpected costs.

What Medicare Covers

• Hospital stays (Part A)
• Doctor visits (Part B)
• Prescription drugs (Part D)

What It Doesn’t Cover

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

Additional Coverage Options

• Medigap policies
• Medicare Advantage plans

Understanding coverage today prevents surprises tomorrow.

The Bottom Line

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

Know what’s included. Plan for what’s not.