Rabu, 19 April 2017

What Medicare Part B Coverage Does And Doesn't Do

By Brenda Olson


Until recently retiring and receiving Social Security and affordable health care were things most older workers took for granted. These entitlements may be on the way out, but until changes are made, workers who turn sixty-five still get government health care options, if they paid into the system. Some mistakenly assume all their medical expenses will fall under the insurance plan, but that is not the case. The first section of the plan is free, but only covers a limited number of situations. Medicare Part B coverage is not free and covers a fairly extensive range of expenses.

Parts A and B are different. A will cover your expenses when you are admitted into a hospital, nursing home, or skilled care facility. It may also cover home health care and hospice. What is actually covered depends on the individual's circumstances and situation. If you have questions about A, you should contact your local Social Security office for more information.

Plan B is not free, but it is much less expensive than a regular health insurance plan. You are not required to buy this insurance, but if you do, Social Security will deduct the cost, approximately one hundred five dollars a month, out of the funds it sends you every month. The insurance does not pay one hundred percent of your expenses. It will pay up to eighty percent of approved charges once you have met your deductible.

Once you get the insurance, you can expect it to cover preventative care and medically necessary procedures. You are entitled to a wellness check when you sign up. Visits to doctor's offices, tests and hospital procedures are covered. If you need medical equipment for a specific illness or physical impairment, the insurance will probably pay most of it. Emergency room visits and emergency vehicle service is provided by the insurance, as is intensive care.

You will be covered for certain mental health issues whether you are hospitalized or receive treatment on an outpatient basis. The insurance will pay for drug and alcohol treatment. It pays for medications that you receive in the hospital.

There are a number of conditions, tests, and professional checkups a lot of people believe should be among the items, but are not. Most dental care including things like cleanings, implants, bridges, and dentures do not make the list. Hearing aids and glasses are not covered, nor are the screenings necessary to determine whether or not you need them.

It does not cover cosmetic surgery, skin peels, or acupuncture. This insurance will not pay for long term custodial care. If you want your prescriptions covered, you can apply for separate insurance that covers them specifically.

Senior citizens who depend on the medical insurance that goes along with Social Security, should clearly understand their options. There are many different plans available. You just have to decide which one is right for you.




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