Original Medicare covers hospital stays and doctor visits with deductibles and 20 percent coinsurance, and no cap on what you can owe in a year. Everything else on this list needs a plan.
- Long-term custodial care, the largest uncovered risk
- Routine dental, vision and hearing
- Prescription drugs without a Part D plan
- Care while traveling outside the United States
- The 20 percent coinsurance without a Supplement
Closing the gaps
A Medicare Supplement plus a Part D plan closes the coinsurance and drug gaps for people who want any doctor. A Medicare Advantage plan bundles extras for people comfortable with a network. Long-term care needs its own funded plan either way.
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