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What's not covered by Medicare?

How Medicare Works: Page 5

By , Caring.com senior editor
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Medicare isn't intended or designed to provide long-term nursing home or in-home care, so there are significant gaps in these areas. Families can't rely on Medicare to pay for 24-hour at-home care, meals, delivery services, and many of the personal services provided by home health aides (except for some skilled nursing care for a short time if it's medically necessary ).

Although Medicare has added many preventive services to its coverage in recent years, many such routine care needs are not yet covered, including dental care, medical treatment outside the United States, routine foot care, glasses, and hearing aids. Medicare coverage for mental health treatment -- including depression, which is a growing issue among people over 65 -- is also significantly limited. And Medicare doesn't cover elective procedures, including cosmetic surgery.

Most important, make sure the doctors you have in mind accept Medicare, or the program won't pay for even covered costs. This is also true for outpatient care and home care, and for prescription drugs, which Medicare patients must buy from a pharmacy that participates in their particular Part D insurance plan.