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What Does Medicare Cover?

An older man comparing Medicare Part A and Part B coverage with an insurance professional.

Use this guide to find general Medicare coverage information for common tests, treatment, equipment, care settings, vaccines, and prescription drugs. Each article links to the Medicare.gov or CMS source used for the answer.

Coverage depends on the service, medical necessity, the provider or supplier, and how you receive Medicare. Medicare Advantage plans must cover medically necessary services covered by Original Medicare, but networks, prior authorization rules, and costs can differ. Extra benefits vary by plan.

Preventive care and vaccines

Screenings and vaccines that Medicare may cover for eligible beneficiaries.

Tests, treatment and outpatient services

Common diagnostic services, treatment, surgery and outpatient care.

  • Does Medicare Cover Acupuncture?

    Medicare Part B covers a limited course of acupuncture for qualifying chronic low back pain. It does not provide general acupuncture coverage for other conditions.

  • Does Medicare Cover Ambulance Transportation?

    Medicare Part B covers medically necessary ambulance transportation when travel in another vehicle could endanger the patient’s health.

  • Does Medicare Cover Bariatric Surgery?

    Medicare covers certain bariatric surgery procedures for people who meet Medicare’s medical eligibility requirements.

  • Does Medicare Cover Blood Pressure Monitoring?

    Medicare covers qualifying ambulatory blood pressure monitoring as a diagnostic test. A standard home blood pressure cuff is not generally covered as ordinary DME.

  • Does Medicare Cover Blood Tests?

    Medicare Part B covers medically necessary diagnostic laboratory tests ordered by a qualified health care provider and covers certain preventive blood tests.

  • Does Medicare Cover Cancer Treatment?

    Medicare covers many medically necessary cancer services, including inpatient care, outpatient treatment, chemotherapy, radiation, tests, and certain drugs.

  • Does Medicare Cover Cataract Surgery?

    Medicare Part B may cover medically necessary cataract surgery with a conventional intraocular lens and one pair of standard corrective lenses afterward.

  • Does Medicare Cover Chemotherapy?

    Medicare covers chemotherapy for cancer. Part A or Part B applies based on whether treatment is inpatient or outpatient, and Part D may cover certain drugs.

  • Does Medicare Cover Chiropractic Care?

    Medicare Part B covers manual manipulation of the spine by a chiropractor to correct a vertebral subluxation. It does not cover most other chiropractic services.

  • Does Medicare Cover COOLIEF Treatment?

    Medicare does not guarantee coverage for COOLIEF by brand name. Coverage depends on the billed procedure and local rules.

  • Does Medicare Cover Counseling?

    Medicare Part B covers medically necessary outpatient mental health counseling from eligible Medicare providers, including mental health counselors and marriage and family therapists.

  • Does Medicare Cover Dermatology?

    Medicare Part B covers medically necessary dermatology services. Routine cosmetic treatment and removal of harmless lesions for appearance are not covered.

  • Does Medicare Cover Dialysis?

    Medicare covers eligible inpatient, outpatient, and home dialysis services and supplies for people with End-Stage Renal Disease and certain acute kidney injuries.

  • Does Medicare Cover Emergency Room Visits?

    Medicare Part B usually covers emergency department services for a sudden illness, injury, or condition that quickly becomes worse.

  • Does Medicare Cover Eye Surgery?

    Medicare covers many medically necessary eye surgeries and treatments, but it does not generally cover routine eye care or surgery performed only to reduce dependence on glasses.

  • Does Medicare Cover Knee Replacement Surgery?

    Medicare covers medically necessary knee replacement surgery. Costs depend on inpatient or outpatient status and related services.

  • Does Medicare Cover Massage Therapy?

    Original Medicare does not cover massage therapy as a stand-alone service. It may cover medically necessary therapy services, but that is a different benefit.

  • Does Medicare Cover Mental Health Care?

    Medicare covers eligible inpatient and outpatient mental health services, including counseling, psychiatric care, certain structured programs, and many prescription drugs.

  • Does Medicare Cover MRI Scans?

    Medicare Part B covers medically necessary MRI scans ordered to diagnose or treat a medical condition. The imaging provider must meet Medicare requirements.

  • Does Medicare Cover Oral Surgery?

    Medicare may cover oral surgery when it is medically necessary and connected to a covered medical service. It generally does not cover routine dental surgery or tooth replacement.

  • Does Medicare Cover Physical Therapy?

    Medicare Part B covers medically necessary outpatient physical therapy with no annual payment limit.

  • Does Medicare Cover Quell Pain Relief Devices?

    Medicare does not publish product-specific coverage for Quell. TENS coverage depends on the device, prescription, diagnosis, and policy.

  • Does Medicare Cover Sleep Studies?

    Medicare Part B covers qualifying sleep tests ordered to evaluate clinical signs and symptoms of sleep apnea.

  • Does Medicare Cover Stem Cell Therapy?

    Medicare covers specified hematopoietic stem cell transplants for certain diseases and circumstances. It does not provide broad coverage for treatments marketed as regenerative stem cell therapy.

Medical equipment, mobility and home safety

Coverage rules for durable medical equipment and common home-access products.

Home care, rehabilitation, skilled nursing and hospice

Services provided at home or in a care setting, including limits on custodial care.

  • Does Medicare Cover Assisted Living?

    Original Medicare does not pay the room, board, or custodial care charges of an assisted living facility. It may continue to cover eligible medical services received while a person lives there.

  • Does Medicare Cover Home Health Care?

    Medicare covers certain part-time or intermittent home health services for eligible people who are homebound and need skilled care under a provider-certified plan.

  • Does Medicare Cover Hospice Care?

    Medicare Part A covers hospice care for eligible people who are certified as terminally ill and choose comfort care for the terminal illness and related conditions.

  • Does Medicare Cover Nursing Home Care?

    Medicare does not cover long-term custodial nursing home care. Part A may cover a limited stay in a Medicare-certified skilled nursing facility when all requirements are met.

  • Does Medicare Cover Palliative Care?

    Medicare can cover medically necessary services used in palliative care. Coverage depends on the individual service and differs from the Medicare hospice benefit.

  • Does Medicare Cover Rehabilitation?

    Medicare covers medically necessary rehabilitation in inpatient, skilled nursing, outpatient, and home health settings when the applicable requirements are met.

Prescription drugs, eligibility and plan benefits

Drug coverage, Medicare eligibility and benefits that may vary by plan.

  • Does Medicare Cover Dental and Vision Care?

    Original Medicare generally does not cover routine dental care or routine eye exams for glasses. It covers certain dental and eye services that meet specific medical requirements.

  • Does Medicare Cover Dentures?

    Original Medicare does not cover dentures. Some Medicare Advantage plans may provide a dental allowance or other denture benefit subject to plan rules.

  • Does Medicare Cover Entresto?

    Medicare drug coverage may cover Entresto when it is on the plan’s formulary. Coverage rules and cost depend on the specific Part D or Medicare Advantage drug plan.

  • Does Medicare Cover Gym Memberships?

    Original Medicare does not cover gym memberships or general fitness programs. Some Medicare Advantage and other private plans offer a fitness benefit.

  • Does Medicare Cover Hearing Aids?

    Original Medicare does not cover hearing aids or examinations used only to fit hearing aids. Part B can cover diagnostic hearing and balance examinations in defined circumstances.

  • Does Medicare Cover Insulin?

    Medicare covers insulin through Part D or, for insulin used with a covered durable insulin pump, through Part B. Covered insulin costs no more than $35 for a one-month supply.

  • Can You Get Medicare If You Never Worked?

    A person who never worked may still qualify for Medicare. Work history mainly affects whether Part A has a monthly premium, not basic age-based eligibility for Part B.

  • How Does Medicare Cover Pre-Existing Conditions?

    Original Medicare and Medicare Advantage cover eligible services for pre-existing conditions. Medigap enrollment and waiting-period rules require separate attention.

  • How Does Medicare Work for Spouses?

    Medicare coverage is individual, not a family plan. A spouse’s work record can affect premium-free Part A, and current employer coverage can affect Part B enrollment timing.

  • Does Medicare Cover Viagra?

    Part D generally excludes Viagra or sildenafil when prescribed to treat erectile dysfunction. Coverage may differ when sildenafil is prescribed for another FDA-approved indication.

This information explains general Medicare rules. It does not determine whether a specific claim will be approved. Ask the treating provider, enrolled supplier, or plan to confirm coverage before receiving an item or service.

Questions about how your plan handles a covered service?

Last reviewed: August 2026. Content owner: BGA Insurance Group compliance team.