Are You Sure You’re Covered?

Do you have questions about what Medicare will and will not cover?

Often, people who are going on Medicare for the first time believe that Medicare will cover any and all medical procedures they receive. But there are some items, services, and procedures Medicare does not cover.

Does Medicare cover all medical procedures? Medicare doesn’t cover everything. If you need a service that isn’t covered under Medicare Part A or Part B, you will have to pay for it yourself, unless it’s covered by a supplemental Medicare health plan or Medicaid. The phrase that Medicare uses is “medically necessary.” If you have a procedure performed that is elective and not “medically necessary,” there is a good chance it will not be covered by Medicare. It is always a good idea to check with your healthcare provider before you have a procedure performed to assure that it is covered by Medicare.

What are some examples of items and services not covered by Medicare? Some items and services not covered by Medicare are: long-term custodial care, most dental care, eye examinations related to prescribing glasses, dentures, cosmetic surgery, acupuncture, hearing aids and exams for fitting them, and routine foot care. Also, most prescription drugs are not covered by Medicare.

Will Medicare cover me outside the U.S.? Medicare generally doesn’t cover healthcare while you’re traveling outside the U.S. There are, however, rare exceptions when Medicare will cover you outside the U.S. You can find these exceptions in your Medicare and You Handbook or by going to In these rare cases Medicare, may pay for ambulance transportation to a foreign hospital only with admission for medically necessary covered inpatient hospital services. You pay 20% of the Medicare approved amount, and the Part B deductibles apply.

If you have questions regarding any aspect of your Medicare coverage, please call us at Alabama Health Guidance (256-648-5710), stop by our office at 885 Florence Blvd (Four Lane Shopping Center), or email us through

Alabama Health Guidance is an independent insurance agency and is not affiliated with Medicare or any other government agency.

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