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Costs and Savings

Medicare covers a wide range of medical services. But it does not cover everything.

What you pay for Medicare will depend on whether you choose to enroll in Original Medicare, a private Medicare Advantage plan, a Part D prescription drug plan, and/or a Medigap/supplemental insurance plan. What you pay will also depend on where you receive services and if you have other forms of insurance.

What does Medicare NOT cover?

In most cases, Medicare will not cover:

  • Annual physical exams, except for a one-time “Welcome to Medicare” exam when you join Medicare and an Annual Wellness Visit every 12 months
  • Long-term nursing home care for more than 100 days
  • Acupuncture, naturopathy, etc.
  • Routine foot care
  • Cosmetic surgery
  • Hearing aids
  • Dental care and dentures
  • Care outside the United States

What can I do if Medicare does not cover a service?

If Medicare decides not to cover your service, you have a right to know why. You can appeal if you do not agree with Medicare. For more information on how to appeal, get personal help.

In this section, you can learn more about:

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