Medicare doesn't cover everything. If you need certain services that Medicare doesn't cover, you will have to pay for them yourself unless you have other insurance to cover the costs. Even if Medicare covers a service or item, you generally have to pay deductibles, coinsurance, and copayments. Some of the items and services that Medicare does not cover include the following:

• Long-term care;
• Routine dental care;
• Cosmetic surgery;
• Acupuncture;
• Hearing aids;
• Exams for fitting hearing aids.