What It Covers

If you get Medicare coverage, it helps with many different types of medical expenses. The exact coverage you have depends on:

What Full Medicare Coverage Usually Offers

This list presents many of the medical expenses that Original Medicare Parts A and B help pay for. Medicare Advantage plans also pay for all of these services, but some plans also pay for more services not listed here. For all of these, you may have to pay copayments, co-insurance, or a deductible. Learn more about what Medicare costs and how to get help paying for it.

Part A, Medicare Advantage, and Medicare Cost plans all cover hospitalization expenses, including:

Part B and Medicare Advantage plans both cover outpatient expenses, including:

  • Outpatient care, including observation services
  • Preventive screenings and services, including an annual checkup and some vaccines
  • Lab tests, such as X-rays, MRIs, and blood tests
  • Home health care
  • Emergency services, including ambulance transit and emergency room treatment
  • Medical and surgical services and supplies
  • Mental health care
  • Urgent care
  • Doctor and practitioner services
  • Rehabilitation, such as physical therapy, occupational therapy, or speech therapy
  • Supplies and equipment, such as prosthetics, orthotics, durable medical equipment, diabetes supplies, or wheelchairs
  • In some situations, other things like chiropractic services, diabetes management, and injectable cancer or immunosuppressive drugs.

Part D, as well as Medicare Advantage and Medicare Cost plans that include drug coverage, pay for prescription drugs on a plan’s formulary. Formularies are reviewed by Medicare and must cover certain types of medications.

Get more information about what Medicare covers:

Medicare does not usually cover long-term care

Long-term care includes help with things like bathing, getting dressed, and using the bathroom. You might get this help in your home, elsewhere in the community, or at a skilled nursing facility. If you have low income and low assets, Medical Assistance (MA) and MA-Waiver programs may help pay for these costs.

If you need long-term care and have Medicare, you can: