Unfortunately, Medicare will not pay for everything in full. There are a number of different out-of-pocket expenses that must be paid by the benefit recipient. These would include copayments, deductibles, and monthly premiums. Plus, there is a huge gap in the Medicare program, and it is one of the most important elder law issues of our day.According to the United States Department of Health and Human Services, most people that are fortunate enough to reach the age of 65 will someday need living assistance. Many will reside in nursing homes and assisted living communities. These facilities are very expensive, and Medicare will not pay for long-term care.