Developed by Ryan Riggins: Senior Protection Coordinator, Licensed Real Estate Broker, and Investment Strategist
The Medicare Gap Analyzer
Most families don't realize Medicare covers less than half of what seniors actually need. See exactly where the gaps are — and what they'll cost you.
What's Missing from Medicare?
Check each service your family needs. Medicare Parts A & B do not cover these — you pay 100% out of pocket.
Long-Term Care (Assisted Living / Nursing Home)
Medicare does NOT pay for custodial care — only skilled nursing for limited periods
$60K–$100K+
Adjust to match your local market rates:
$80,000
Routine Dental Care (Dentures / Implants)
Original Medicare covers zero routine dental — no cleanings, fillings, or dentures
$500–$2,000
$1,200
Vision Care (Exams / Glasses)
Medicare covers cataract surgery but not routine eye exams, frames, or lenses
$300–$1,000
$600
Hearing Aids & Fittings
Medicare covers diagnostic hearing tests but NOT hearing aids — the #1 unfunded need
$1,000–$6,000
$3,500
Prescription Drugs (if no Part D)
Without Part D enrollment, you pay full retail for every prescription
$3,000–$5,000
$4,000
Part B Coinsurance Gap
Medicare Part B covers 80% of outpatient/doctor services. You pay the other 20% — with no cap.
$
Your 20% Gap Responsibility: $3,000 /year
⚠️ Unlike most private insurance, Original Medicare has NO out-of-pocket maximum. You are responsible for 20% of every bill, forever, unless you have a Medigap supplement.
Your Gap Breakdown
🔧 Ryan's Insight
"In my 8 years of guiding transitions, I've seen 'Dental and Hearing' gaps drain a $50K emergency fund in just two years. A $3,500 pair of hearing aids plus $1,200 in dental work every year adds up to nearly $10,000 before you even touch a major medical bill. Don't let these small gaps sink your big plan."
— Ryan Riggins, Senior Protection Coordinator