Medicare Coverage Gap Detector Tool
This quick self-check helps you identify areas where Medicare coverage may leave out-of-pocket gaps — such as copays, prescriptions, dental, vision, hearing, or long-term care. Answer a few questions to receive a gentle next-step suggestion.
Your Coverage Gap Insight
This result is for educational awareness only. Medicare plan details vary by location and coverage type. For official decisions, confirm details through Medicare.gov or a licensed advisor.
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The Medicare Coverage Gap Detector is a quick senior-friendly self-check designed to help you identify areas where Medicare coverage may leave out-of-pocket gaps — such as deductibles, coinsurance, prescription costs, dental, vision, hearing, or long-term care needs.
Many older adults assume Medicare covers everything, but most plans include important limitations. This tool helps you reflect on what types of expenses may matter most in your situation, so you can explore supportive next-step options with more clarity.
Answer a few simple questions to receive a gentle coverage insight and helpful direction — including whether it may be worth reviewing Medigap, Medicare Advantage, Part D, or supplemental protection.
This tool is for general educational awareness only and does not replace professional Medicare or insurance advice.
How to Use This Tool
- Answer a few questions about your current Medicare setup
- Select which costs or services worry you most
- Review your Coverage Gap Result
- Use the suggestion as a checklist before comparing plan options
Most seniors finish this tool in under 2 minutes.
Who This Tool Is For
This self-check is especially helpful for:
- Seniors newly enrolled in Medicare
- Adults surprised by out-of-pocket medical costs
- Retirees comparing Medigap vs. Medicare Advantage
- Anyone concerned about prescription drug expenses
- Older adults needing dental, vision, or hearing support
- Families helping parents plan for care coverage
Disclaimer
Medicare coverage can vary depending on your plan type, state, income level, employer retirement benefits, and supplemental enrollment. This tool provides general educational guidance only. For official coverage decisions, visit Medicare.gov or speak with a licensed Medicare counselor.
Frequently Asked Questions
1. What is a Medicare coverage gap?
A coverage gap is an area where Medicare does not fully pay for services, leaving you with deductibles, copays, or uncovered costs.
2. Does Original Medicare cover dental and vision?
In most cases, Original Medicare does not cover routine dental, vision, or hearing care.
3. What is Medigap?
Medigap is supplemental insurance that helps cover costs like coinsurance, copays, and deductibles not fully paid by Medicare.
4. Do Medicare Advantage plans reduce gaps?
Sometimes. Advantage plans may include extras, but they also have networks, copays, and out-of-pocket maximum rules.
5. Does Medicare cover long-term care?
Medicare generally does not cover extended nursing home or custodial long-term care.
6. Is this tool connected to Medicare.gov?
No. It is an independent educational self-check built for Tools.60AndOver.net.
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