You might like surprises, but not when it comes to your healthcare. That’s why it’s so important to read all of the fine print before you sign up for anything—that way you can ensure you are covered in all of the areas you need. Medicare is a federally funded health insurance program that provides certain coverage for specific groups, typically those over the age of 65. While it does cover most expenses, there are a few things not covered by the healthcare plan. Before you fall victim to any myths, here are the top things not covered by Medicare:

1. Standard dental check-ups and procedures
Medicare does not include coverage for routine dental services, such as examinations, cleanings, fillings, and extractions. Exceptions may apply in cases where dental treatment is essential for a Medicare-covered surgery, like tooth extraction before heart surgery or dental care related to injuries such as jaw fractures. Nevertheless, individuals are responsible for covering regular dental care costs personally or exploring individual dental insurance plans.

2. Regular eye examinations
Medicare Part A and Part B, which focus on hospital and medical insurance, do not provide coverage for routine eye exams, including those for glasses or contact lenses. An exception exists for individuals with diabetes who require routine eye exams for monitoring purposes. Medicare also covers cataract surgery. However, for routine vision care, individuals must bear the costs personally or consider obtaining individual vision insurance plans. Some Medicare Advantage plans may include routine eye exams as part of their benefits.

3. Prescription drugs
Medicare Part A and Part B do not include coverage for prescription drugs. Instead, Medicare offers a separate prescription drug plan known as Medicare Part D. Individuals can enroll in Part D with original Medicare or through a Medicare Advantage plan that includes drug coverage. Participation in Medicare Part D involves paying a premium, a deductible, and copays for prescribed medications, with specific costs depending on the chosen plan and required medications.

4. Hearing aids
Medicare does not cover the expenses of hearing aids or routine hearing exams. Exceptions apply if a medical condition, such as Meniere’s disease, is the cause of hearing loss; in such cases, Medicare covers the diagnosis and treatment of the underlying condition. Generally, individuals are responsible for the costs related to hearing aids and routine exams, although veterans or those with low income may seek assistance from the Veterans Administration or state assistance programs.

5. Long-term care
Medicare does not offer coverage for long-term care, including nursing home care. Additionally, Medicare does not cover custodial care for individuals unable to care for themselves, involving tasks like bathing, dressing, and bathroom use. While some Medicare Advantage plans may provide long-term care coverage, original Medicare does not. Those in need of long-term care must purchase a separate insurance policy specifically designed for this purpose.