What Medicare Won't Cover in 2026

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While original Medicare covers a wide range of health care services, there are certain medical expenses it does not pay for, including routine dental care, vision exams, hearing aids, prescription drugs, alternative medicine, cosmetic surgery, and long-term care. The article outlines the key services and items that Medicare beneficiaries will have to pay for out-of-pocket in 2026 unless they have supplemental insurance.

Why it matters

Knowing what Medicare does and does not cover is crucial for seniors to avoid unexpected medical bills and plan their healthcare expenses accordingly. This information helps Medicare beneficiaries understand their coverage limitations and make informed decisions about purchasing additional insurance or budgeting for uncovered services.

The details

Original Medicare (Part A and Part B) does not cover routine dental care, vision exams, hearing aids, prescription drugs, alternative medicine, cosmetic surgery, most foot care, long-term care, adult diapers, and healthcare received outside the U.S. Beneficiaries will have to pay for these services out-of-pocket unless they have supplemental insurance like a Medicare Advantage plan. Medicare also doesn't pay 100% of covered services, so beneficiaries are still responsible for monthly premiums, deductibles, and copayments.

• Medicare benefits and coverage details are updated annually, with changes taking effect on January 1 of each year.

What they’re saying

What’s next

Seniors should review their Medicare coverage options and consider purchasing supplemental insurance to cover services not included in original Medicare.