What Does Medicare Cover
Medicare has many parts. Here we break it down to help you understand your coverage. Contact Better Insurance Management with any questions you may have. Our team of Medicare experts is trained to assist you in finding the best coverage available.
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Medicare Part A covers your inpatient care in a hospital or skilled nursing facility. Hospice care, home health care, and nursing home care inpatient services are also covered by Part A.
Medicare Part B covers medically necessary care and certain preventative care services. This coverage can include outpatient services such as doctor visits, emergency room visits, clinical research, ambulance services, durable medical equipment, mental health care, and limited outpatient prescription drugs.
Preventative care services include mammograms and cervical cancer screenings, vaccinations, flu shots, and additional tests and screenings, along with a yearly wellness visit with your doctor or primary care provider.
Medicare Part B has several gaps in coverage. Routine dental, vision, and hearing care are not covered. Unless the service is medically necessary such as from an injury, trauma, or birth defect, Medicare will not cover these services.
You can check before you even visit your doctor to see if your service, test or item will be covered by Medicare. Go to Medicare’s website, use their app, or refer to the helpful Medicare & You Handbook, which you can download from Medicare’s website.
Where Are You Covered?
Medicare covers you in the United States and its territories, including Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands. You may also be covered if you are on a ship in the territorial waters surrounding the continental U.S.
Medicare will not cover you if you are visiting a foreign country, unless you have a Medicare Supplement plan with foreign travel emergency care coverage (Plans C, D, F, G, M, or N).
Medicare Advantage Coverage
Separate from Original Medicare, Medicare Advantage plans give you the Part A and Part B coverage you need, but through a private health insurance company. These plans can also offer you additional benefits packages for coverage including dental, vision, or hearing care and prescription drug coverage. Some plans have added benefits such as fitness club memberships.
Medicare Part D Coverage
Medicare Part D prescription drug plans help cover the costs of your prescription drugs. Once you meet the deductible, you will pay set copayments for each prescription drug. Costs are based on whether a drug is generic, brand-name, or specialty and preferred or not preferred.
Medicare Supplement Coverage
Medicare Supplement (Medigap) plans are not health insurance. Rather, they help to pay for the costs of your Medicare Part A and Part B expenses, including copayments, coinsurance, and deductibles.
To learn more about Medicare coverage, give Better Insurance Management a call today!