If you’re new to Medicare or just trying to make sense of it, you’re not alone. One of the most common questions we get is, “What does Medicare actually cover?”

Let’s break it down clearly so you know exactly what to expect.

Part A – Hospital Insurance

This covers most of your inpatient care, such as:

• Hospital stays
• Skilled nursing facility care
• Hospice care
• Some home health care

Good to know: Most people don’t pay a premium for Part A if they’ve worked and paid Medicare taxes for at least 10 years.

Part B – Medical Insurance

This is your outpatient care, including:

• Doctor visits
• Preventive services
• Lab tests and screenings
• Outpatient surgery
• Mental health care
• Durable medical equipment (like walkers or wheelchairs)

You do pay a monthly premium for Part B, and there are deductibles and coinsurance to keep in mind.

Part D – Prescription Drug Coverage

This helps cover the cost of:

• Generic and brand-name drugs
• Medications at retail or mail-order pharmacies

Part D plans are offered by private insurance companies and vary by drug list, pharmacy network, and pricing.

What Medicare Does Not Cover

This is where people get surprised. Original Medicare (Parts A and B) does not cover:

• Routine dental, vision, or hearing exams
• Prescription eyeglasses or hearing aids
• Most dental procedures (like fillings or dentures)
• Long-term care (nursing homes or assisted living)
• Prescription drugs (unless you add Part D)
• Overseas travel care

So How Do You Fill the Gaps?

That’s where we come in.

You can add:

• A Medicare Advantage Plan that includes extras like dental, vision, and drug coverage
• A Medicare Supplement Plan to reduce your out-of-pocket costs
• A Part D Plan for prescription drug coverage

Need help sorting it out?

We make Medicare simple. No pressure. No confusing jargon. Just clear answers and guidance you can trust.

Call us at 801.879.3332 or click here to speak to a Medicare expert now.