okay so it's important to understand medicare does not cover everything so some people are surprised
when they come into the magical health insurance world of medicare that there are simply some
things that medicare does not cover so i'm going to go through that right now on the major items
that medicare does not cover and there are solutions as well so i'm keith armbrak founder
of medicare on video and i help people across the country make the right medicare choices and i can
absolutely help you as well hopefully you will allow me to help you there's no cost to utilize
my services or my information so take advantage of everything that i have to offer one thing i
think you'll find super helpful is download my book medicare made clear i put a lot of time
and effort into this book and you'll see when you go through it that i cover just about
every piece of medicare it's a fantastic thing to keep on your computer or your ipad for now
and in the future there's also videos in the book where i explain everything to you and there's the
links on where to sign up for medicare and things that you will need going forward so make sure you
forward slash downl book it's yours to have no cost to it so i hope you find that
super helpful let's talk about original medicare original medicare is medicare part a medicare part
b this is what you sign up for when you turn 65 or when you retire and come into medicare after
age 65. so whenever you enter into medicare we're talking about original medicare part a and part b
part a is the hospital stuff part b is outside the hospital stuff so it's important and i've got
videos on all that so make sure you take a look through and we want to understand all this stuff
because these are super important decisions and we want to make sure that we get it right so
one of the first items that surprises some medicare does not cover dental and
vision so dental and vision are not part of medicare what would be part b it is covered
in an emergency scenario so for instance if you're in a car accident that type of dental or vision
would be covered but regular standard dental and vision are not part of medicare now there are
standalone dental vision and hearing plans so you can purchase a dental vision and hearing plan it's
very similar to what you probably have at work where you have your regular health insurance and
then you have a separate dental plan in medicare they usually include vision and hearing as well
on the standalone plans those plants typically cost pretty close to about 50 bucks a month for
a pretty comprehensive dental vision and hearing plan there are also discount dental plans that
kind of pre-negotiate rates at a dental office so you may not have the same choice of dentists to
go to but it is less expensive it can run 10 to 15 dollars a month and certainly give you the ability
to know what your cost is going to be when you go to the dentist but you may be limited on your
choice of dentists that you're able to use also medicare advantage plans usually include some form
of dental coverage in their medicare advantage plan it's certainly important to understand what
type of dental coverage is it a discount type plan or how limited may it be so they they certainly
talk a good game on tv but when you get down in the middle of it it can be different than what
you thought it might be so important understand that that there are dental options available for
what you need to accomplish so as long as we understand it makes all the difference in the
world another big part medicare a and b do not cover is prescription drugs so you've likely heard
all sorts of crazy stories about medicare drug plans and things like that so if you come into
original medicare you would likely want to get a standalone medicare drug plans medicare
part d and you can purchase that they are more complicated you absolutely need some help from
somebody like me to figure out exactly the right plan because they have different coverage levels
they have different deductibles reimbursements all sorts of things we need to match it up with
what you are currently taking and then if things change we need to change probably the drug plan
as well in the future so important understand that that we need to do a little more work to
make sure we get the right prescription drug plan medicare advantage plans generally will
include prescription drug plans as well but then again we got to make sure if you're in
a medicare advantage plan that that drug plan matches what you require from your medication
so you could get into a medicare advantage plan that you like but the prescription plan
doesn't work with what you currently take so it's important to understand all that stuff
and again as long as we're ahead of the game it makes all the difference in the world
long-term care coverage medicare not designed for long-term care coverage now
you may understand this already or you may not but medicare you know long-term care has been an issue
for a long time and it just it's very expensive is what the major problem is and what to do and
you've heard the statistics on how many people out of how many people are gonna require long-term
care at some point in their life uh so medicare covers up to 100 days if you have typically a
medicare supplement plan you can get up to 100 day coverage but it's for rehabilitation it's not for
long-term care so there are separate long-term care policies but again very expensive so it can
be a very complicated issue but something we need to think about so that you going forward have a
plan because it's important to do that now this one surprises a lot of people foreign coverage
medicare does not have foreign coverage and pretty sure when we retire we're going to be wanting
to go to cancun in the bahamas and england and wherever it may be if you travel at all medicare
does not have coverage outside of the us so it's important to understand that if you have original
medicare and you purchase a medicare supplement plan you do have coverage outside the u.s so
again it's it's something we need to understand that if we have that supplement
we have coverage how much coverage do we have and just so you can manage your expectations
if you have a medicare advantage plan not only do they not have international coverage they
generally don't have internal coverage so state to state if you travel from ohio to
florida chances are if you're on a medicare advantage plan it's going to pose a problem
for coverage so you need to understand that as well and and that's always the biggest
difference to me between original medicare with a supplement is you can go anywhere you want and
go to any doctor anywhere in the country and it's covered under medicare advantage plan
much more localized so you need to understand that as well so i hope you found all this helpful
do me a favor comment below the video on any of this stuff if you found if you if you thought it
was covered and now you know it's not covered but super helpful to me with comments in the video so
if take just a minute comment on anything that you want and it just helps me get it out in front of
more people so those are five things that medicare does not cover we do have solutions for some of
them so we can make it all work but we just want to make sure we put all our pieces in the right
places i hope you found this helpful download my book at medicareonvideo.com forward slash free
book you'll find that very helpful and i hope you have a fantastic day hey don't go anywhere
these are some of my most recent videos right here you can also find the link right below this video
to download my book medicare made clear absolutely free you can also subscribe to my channel
right here so please download my book watch some videos subscribe to the channel have a great day