Navigating Medicare’s coverage can feel like deciphering a complex puzzle—especially when key treatments are unexpectedly left out. For millions of seniors relying on Medicare, understanding these coverage gaps is crucial to planning for future healthcare expenses. From alternative therapies to critical sensory aids, here are five essential treatments Medicare skips, and how private insurers like Humana can help bridge the gaps.
1. Acupuncture: Ancient Relief, Modern Exclusion
Acupuncture has become a popular, effective way for many to manage chronic pain, reduce stress, and promote relaxation. However, Medicare leaves this ancient, needle-based therapy largely uncovered, except for certain limited uses. For seniors looking to benefit from this holistic approach to wellness, they’ll have to turn to private insurance or pay out-of-pocket for this soothing solution.
2. Hearing Aids: Sound Health, Silent Support
Hearing aids can be transformative, restoring clarity and social connection for those experiencing hearing loss. Surprisingly, Medicare does not cover hearing aids, leaving seniors to bear the high costs of these essential devices. Hearing aids improve quality of life, yet Medicare’s silence on this matter means beneficiaries must seek alternative insurance options or save up to cover the expense.
3. Vision Correction: Seeing Clearly Isn’t Covered
Vision correction is crucial, yet Medicare doesn’t cover eyeglasses or contact lenses—items that 75% of adults rely on daily. While some eye conditions and surgeries are included, the cost of frames and lenses is left up to the individual. Those in need of vision correction must consider supplemental insurance to help with these out-of-pocket costs.
4. Dental Health: The Overlooked Smile
Medicare’s lack of dental coverage is one of its most surprising omissions. Oral health is vital to overall wellness, especially in later years, when issues like gum disease and tooth decay are more common. From routine cleanings to expensive procedures, dental care is largely excluded from Medicare, making it essential for seniors to seek supplemental coverage to maintain their dental health.
5. Mental Health Services: Coverage with Caveats
While Medicare provides partial mental health coverage, strict limits on sessions and types of therapy can leave those needing ongoing care vulnerable. Mental health is as important as physical health, yet Medicare’s restrictions may force beneficiaries to explore private plans or out-of-pocket solutions for counseling and support.
Looking Beyond Medicare
Although Medicare offers a robust foundation, these coverage gaps reveal the importance of additional insurance options. Supplemental plans, like those offered by Humana, can provide essential benefits to ensure more comprehensive health support. By understanding Medicare’s limitations, seniors can better prepare for a future where every aspect of their health is supported, from routine care to specialized treatments.
While Medicare is a vital safety net, it’s clear there are areas where additional support is needed to ensure seniors can access the full spectrum of care they deserve.
