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What Medicare actually covers
Plain answers to the questions seniors and adult children type into Google every day. Each page is sourced, color-coded, and reviewed by a licensed insurance professional.
Does Medicare Cover Ozempic?
Original Medicare covers Ozempic when it's prescribed for type 2 diabetes — not for weight loss. Here's exactly how Part D coverage works, what you'll pay, and what changes if your doctor switches you to Wegovy or Mounjaro.
Does Medicare Cover Hearing Aids?
Original Medicare doesn't cover hearing aids — but many Medicare Advantage plans now do, and the 2022 OTC hearing aid law has changed what that coverage is competing against.
Does Medicare Cover Dental?
Original Medicare doesn't cover routine dental care. Medicare Advantage dental benefits are common but limited. The gap created an entire dental insurance secondary market — here's how to navigate it.
Does Medicare Cover Assisted Living?
Medicare does not pay for assisted living facility costs. It pays for medical care delivered inside one. The distinction is the difference between a $0 surprise and a $5,500/month bill.
Does Medicare Cover Memory Care?
Medicare doesn't cover memory care residency. It does cover doctor visits, prescriptions, hospice, and home health for someone with Alzheimer's or other dementias. Here's how to plan around the gap.
Does Medicare Cover Physical Therapy?
Yes — Medicare Part B covers physical therapy with no hard cap on visits when medically necessary. Here's how the cost-sharing works, what triggers the KX modifier above $2,410, and where outpatient PT fits versus inpatient rehab.
Understanding Plan G & Plan N
The two most popular Medicare Supplement plans for new enrollees. Same broad coverage, different cost-sharing, different premium math. Here's how to choose.
Medicare Plan G
The most comprehensive Medigap plan available to new enrollees. Covers everything except the Part B deductible.
Read about Plan G →Medicare Plan N
Lower premiums than Plan G with small office and ER copays. Often the right choice for healthy retirees.
Read about Plan N →G vs N: which one
Real cost math comparing the two plans across realistic medical-use scenarios.
Compare plans →Run the numbers yourself
Three calculators that use real CMS rates and plan data. No email walls, no signup, no upsells.
Penalty Calculator
Calculate the lifetime cost of late enrollment in Part B and Part D using real 2026 CMS rates.
Calculate penalty →Plan G by State
Search Plan G premium ranges in every U.S. state with carriers and rate notes.
Look up state →Drug Coverage Lookup
Search common drugs to see Part D tier placement and typical coverage status.
Look up drug →We don't sell insurance.
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