If you're on Medicare or are approaching that time of your life, you'll want to be aware of these 10 Medicare benefits that enrollees often don't know about.

1. Annual 'wellness visits'

Senior Patient Having Consultation With Doctor In Office
Monkey Business Images / Shutterstock

Medicare covers what's called an annual wellness visit with your doctor, who will take routine measurements, such as your height, weight, blood pressure, and review your medical history.

You'll fill out a "Health Risk Assessment" questionnaire to identify risk factors — so you and your doctor can work on keeping you healthy.

Medicare says the appointments also can include "detection of any cognitive impairment." That means your physician will be on alert for signs of Alzheimer's or similar ailments.

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2. Obesity counseling

Doctor measuring obese man waist body fat. Obesity and weight loss.
kurhan / Shutterstock

Obesity causes many illnesses and can make frail older bodies much weaker.

Diabetes and heart disease rates skyrocket for those who are overweight or obese. Joint and bone diseases are easier to manage at healthy weight levels.

If you have a Body Mass Index (BMI) reading of 30 or more, Medicare will cover face-to-face counseling sessions aimed at helping you bring your weight down to a healthier level.

3. Help to quit smoking

Smoking Consult. Elderly Person
Image Point Fr / Shutterstock

If you're a smoker, Medicare can help you kick the habit.

Letting go can be tough, especially if you've been a lifetime smoker. To help you break your nicotine addiction, Medicare will pay for eight in-person counseling sessions per year.

But note that Medicare's drug coverage will not pay for stop-smoking products sold over the counter at drugstores, such as nicotine patches, lozenges and gum.

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4. Some hearing exams

Older woman or female pensioner with a hearing problem make a hearing test and may need a hearing aid, in the foreground is a model of a human ear
Kzenon / Shutterstock

Basic Medicare usually won't pay for hearing aids or routine hearing tests.

But it may cover a hearing exam if your doctor says it's medically necessary.

Hearing is related to balance. When a senior is having balance issues, a physician may want to check the ears to see if there's an inner ear problem requiring medical treatment.

5. Hospice care

Close-up of loving senior woman supporting her sick husband at hospital, holding his hand
Photographee.eu / Shutterstock

Hospice care comprises a host of treatments at the end of a person's life. Medicare will pay for a long list of hospice services, including nursing care, and grief and loss counseling for the patient and family.

Hospice coverage applies when a Medicare recipient has been given six months or less to live and has agreed to forgo further attempts at a cure.

Medicare won't cover room and board for hospice care in a private home or nursing home, but it may pay for a short-term stay at a hospice facility.

6. Counseling for alcohol problems

Alcoholism: portrait of a lonely, desperate man
threerocksimages / Shutterstock

The National Council on Alcoholism and Drug Dependence recently reported that widowers over age 75 have the highest rate of alcoholism in the U.S.

Much like smoking, alcohol abuse can have seriously negative effects on the wellness of an older person.

Medicare provides alcohol misuse screening and treatment free of charge. It covers one screening each year and up to four brief counseling sessions if the reviewing physician believes a patient needs help.

7. Disease screenings

Male doctor on duty in white coat reading patient's information with pen in hand, filling prescription or checklist document, close up, selective focus on pen, health and medical concept.
TippaPatt / Shutterstock

Medicare covers screenings for numerous diseases as part of its preventive services.

Medicare will pay for testing to detect: HIV and other STDs; diabetes; glaucoma; breast and cervical cancer; colon and prostate cancer; and heart disease.

Patients with histories of smoking can get an annual lung cancer screening, and Medicare also covers annual screenings for depression and other behavioral health issues that are a concern for seniors.

8. Special footwear for diabetes

Elderly woman swollen feet putting on shoes
Toa55 / Shutterstock

One of the least-known Medicare benefits is its allowance for specialized shoes for people with diabetes.

The disease can cause poor or abnormal circulation in the feet, and a lack of proper treatment can result in the need for amputation. Another risk is diabetic neuropathy, which can damage nerve endings in the feet.

Diabetic footwear helps regulate circulation and reduce the danger of neuropathy. Medicare will pay for the shoes if they're prescribed and provided by a podiatrist or other qualified health professional.

9. Wheelchairs and scooters

Old lady on her disabilty scooter enjoying the freedom to get around that it gives her.
Groomee / Shutterstock

Wheelchairs and mobility scooters are important tools to help those with debilitating conditions lead normal lives. Medicare will pick up the cost under certain circumstances.

The wheelchair or scooter must be considered medically necessary.

Your doctor would need to certify that you are unable to walk without difficulty. The physician would be required to write a prescription for the vehicle or wheelchair after giving you an exam.

10. A walk-in bathtub

A pink walk-in tub in our apartment in Nice
Dion Hinchcliffe / Flickr

A walk-in tub can help those with joint problems or other issues that make climbing into a traditional bathtub difficult or impossible.

Medicare may help with the cost of a walk-in tub, even though the tubs are not on the list of "durable medical equipment" that Medicare will cover, including wheelchairs, oxygen equipment and hospital beds.

In order for you to obtain coverage, your doctor would have to attest that a walk-in tub is an absolute medical necessity. Medicare wouldn't provide assistance upfront — after you buy the tub, you'd submit the bill for possible reimbursement.

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About the Author

Doug Whiteman

Doug Whiteman

Former Editor-in-Chief

Doug Whiteman was formerly the editor-in-chief of MoneyWise. He has been quoted by The Wall Street Journal, USA Today and CNBC.com and has been interviewed on Fox Business, CBS Radio and the syndicated TV show "First Business."

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