- 1423 SE 16th Pl #103, Cape Coral, FL 33990
What Are the 5 Things Medicare Won’t Cover in Cape Coral, FL? LP Insurance Solutions Has the Answer
Many people are surprised to learn that Original Medicare doesn’t cover every healthcare expense. While Medicare provides excellent foundational coverage, there are several key areas it leaves out. Understanding these gaps before you enroll can save you money and stress later on. That’s where LP Insurance Solutions, your trusted Local Medicare Agents Cape Coral, comes in. Their experienced team helps residents identify these missing pieces and find the right supplemental coverage to stay fully protected.
Below, we’ll explore the five main things Medicare doesn’t cover and how LP Insurance Solutions can help you fill those gaps with confidence.
1. Routine Dental Care
One of the biggest surprises for new Medicare beneficiaries is discovering that routine dental care—including cleanings, fillings, dentures, and extractions—is not covered by Original Medicare (Parts A and B). This gap can quickly lead to out-of-pocket expenses, especially since dental health plays a vital role in overall well-being.
Your Local Medicare Agents Cape Coral can help you explore affordable options that add dental coverage to your plan. These may include stand-alone dental insurance or Medicare Advantage plans that offer built-in dental benefits. LP Insurance Solutions ensures you understand the differences and choose the plan that best matches your dental needs and budget.
2. Vision Exams and Eyeglasses
Just like dental care, routine vision exams and eyeglasses aren’t included under Original Medicare. The program only covers vision-related treatments tied to specific medical conditions—like cataract surgery or eye diseases such as glaucoma.
For everyday eye exams and corrective lenses, you’ll need additional coverage. LP Insurance Solutions helps clients compare supplemental vision options so you don’t have to compromise your eye health. With the guidance of Local Medicare Agents Cape Coral, you can find an affordable policy that includes exams, glasses, and contact lenses—all tailored to your needs.
3. Hearing Aids and Hearing Exams
Hearing loss is common among older adults, yet Medicare still doesn’t cover hearing aids or the routine exams required to fit them. These devices can be expensive, often costing thousands of dollars per pair. Without additional coverage, many retirees end up paying out-of-pocket.
The experts at LP Insurance Solutions understand this gap and can recommend plans that include hearing benefits. Their Local Medicare Agents Cape Coral team stays current on which Medicare Advantage and supplemental options provide hearing coverage, ensuring you find a solution that improves both your hearing and your quality of life.
4. Long-Term Custodial Care
Perhaps the most significant gap in Medicare coverage involves long-term custodial care. This refers to assistance with daily activities—like bathing, dressing, and eating—often provided in nursing homes or assisted living facilities. Medicare covers short-term skilled nursing after a hospital stay, but it doesn’t pay for ongoing custodial care.
Since long-term care can quickly drain savings, planning ahead is essential. LP Insurance Solutions educates clients about long-term care insurance, hybrid life insurance policies, and other financial strategies that can help manage these expenses. Their Local Medicare Agents Cape Coral take time to explain how these policies work and which ones best fit your future needs.
5. Most Cosmetic Surgery
Medicare does not cover cosmetic or elective surgeries that are performed solely to improve appearance. However, there are exceptions if a procedure is medically necessary—for example, reconstructive surgery after an accident or to correct a deformity.
Understanding which procedures qualify and which do not can be confusing. LP Insurance Solutions can clarify these gray areas and help you determine when you might need supplemental coverage. Their trusted Local Medicare Agents Cape Coral are trained to guide clients through these details so you always know what to expect before undergoing treatment.
Why Understanding Medicare Gaps Matters
Knowing what Medicare won’t cover is just as important as knowing what it does. Failing to plan for these gaps can result in unexpected bills that strain your finances. The experts at LP Insurance Solutions help you build a complete picture of your healthcare needs so you can choose supplemental plans that cover your blind spots.
With over 40 plans available in the area, having knowledgeable Local Medicare Agents Cape Coral by your side ensures you won’t be overwhelmed by choices or fine print. Their goal is to make Medicare simple, transparent, and easy to navigate.
How LP Insurance Solutions Helps You Fill the Gaps
Located at 1423 SE 16th Pl #103, Cape Coral, FL 33990, LP Insurance Solutions is known for providing personalized Medicare guidance to residents throughout Southwest Florida. Their licensed agents specialize in:
Explaining what’s included (and excluded) in Original Medicare.
Recommending supplemental Medigap or Advantage plans.
Comparing premiums and benefits to find the best value.
Ensuring you never miss key enrollment deadlines.
Their approach is educational rather than sales-driven. LP Insurance Solutions believes in empowering every client to make confident healthcare decisions—something that sets them apart among Local Medicare Agents Cape Coral.
The LP Insurance Solutions Commitment
What makes LP Insurance Solutions truly exceptional is their commitment to education and client satisfaction. They don’t just hand you a policy—they ensure you understand exactly how your coverage works. Their friendly, knowledgeable team explains every option clearly and patiently, so you feel confident about your choices.
They’ve earned a reputation for honesty, professionalism, and compassion—values that have made them one of the most trusted Local Medicare Agents Cape Coral. Whether you’re enrolling for the first time or reviewing your current plan, they’ll be by your side to guide you every step of the way.
Protect Your Health and Finances Today
Healthcare needs change as we age, and knowing what Medicare doesn’t cover helps you plan wisely. From dental to hearing care and long-term coverage, filling these gaps early ensures peace of mind and financial security.
If you’re ready to explore your options and build a comprehensive plan, LP Insurance Solutions is here to help. Visit their office at 1423 SE 16th Pl #103, Cape Coral, FL 33990, or call (239) 829-0200 to schedule a free consultation.
Let their team of experienced professionals walk you through your choices, explain your benefits, and ensure no detail is overlooked. With their support, you’ll enjoy confidence and clarity in your Medicare coverage—today and in the years ahead.
Trust the experts who make your health and financial well-being their top priority. Choose LP Insurance Solutions, your reliable partner and the top choice among Local Medicare Agents Cape Coral.