Medicare Supplement Policies

Last updated: October 7, 2015

Gaps in Medicare

Medicare Doesn't Cover Every Medical Expense

Medicare was never intended to pay 100% of medical bills. It forms the foundation for beneficiaries’ protection against heavy medical expenses. 

There are gaps in Medicare coverage where the beneficiary must pay a portion of expenses. Medicare supplement insurance, also called Medigap, can help cover some of these expenses.

The Kansas Insurance Department is charged with regulating Medicare supplement insurance.

Items and Services Not Covered Under Medicare Include:

  • Acupuncture

  • Deductibles, coinsurance or copayments when you obtain certain health care services

  • Dental care and dentures

  • Cosmetic surgery

  • Long-term care, like custodial care (help with bathing, dressing, using the bathroom and eating) at home or in a nursing home

  • Eye care (routine exam), eye refractions

  • Hearing aids and hearing exams

  • Orthopedic shoes (with a few exceptions)

  • Outpatient prescription drugs (with a few exceptions)

  • Routine foot care, such as cutting of corns or calluses (with a few exceptions)

  • Diabetic supplies (like syringes or insulin, unless the insulin is used with a pump or it may be covered by Medicare Part D)

  • Chiropractic services except to correct a subluxation (when bones in your spine move out of position) using manipulation of the spine. You are responsible for coinsurance, and the Part B deductible applies

To find out if Medicare will cover a service, visit

www.medicare.gov/coverage or call 800-Medicare (800-633-4227).

Medicare supplement insurance was created to help cover some of these gaps in coverage. Click here for more information on what Medicare supplement insurance covers to help you decide whether it is right for you.