<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=131147930823002&amp;ev=PageView&amp;noscript=1">

Avoid unpleasant surprises. Make sure you know about these 10 medical services that are not covered under standard Medicare.

1. Long-term care

Nurse holding hands of senior man in bedroom
wavebreakmedia / Shutterstock

In general Medicare doesn’t cover long-term care, including most nursing home care and full-time or ongoing nursing care in your home.

Medicaid, the government's health insurance for lower-income Americans, does cover long-term care. However, if your income is too high, you must pay for long-term care out of your own pocket until your resources are depleted and you reach Medicaid eligibility.

This is called a spend-down.

2. Prescription drugs

Customer paying by credit card at drug store
gpointstudio / Shutterstock

Prescriptions are not included in basic Medicare coverage. Medicare parts A and B primarily cover hospital stays, doctor visits, ambulance services and medical equipment.

To receive prescription drug coverage in your senior years, you must enroll in either a Medicare Part D drug plan or a Medicare Advantage (Part C) plan. Both programs are overseen by Medicare but are run by private insurance companies.

Medicare Part D comes with annual premiums averaging $34 per month. Medicare Advantage costs vary widely.

Continue reading on the next page.


More about MoneyWise →