What isn't covered by Medicare?
By now you've probably done some research on what is covered by all of the different parts of Medicare. How about what's not covered? Generally speaking, if it's not medically necessary, it won't be covered. But let's get more specific. And remember, if it's not covered under your plan, you may be able to supplement with Medicare Supplement insurance.
- Medicare Part A is inpatient care; hospital, skilled nursing facility, nursing home, etc. Part A won't cover outpatient services, vision, hearing, dental, and prescription drug coverage. However, you can add Part D for prescription coverage, or switch to Part C and get coverage for more services that way.
- Medicare Part B is outpatient care; diagnosis, detection, treatment, etc. Part B won't cover inpatient services, vision, hearing, dental, and prescription drug coverage. However, similar to Part A, you can add Part D for prescription coverage, or switch to Part C and get coverage for more services that way.
- Medicare Part C is the Medicare Advantage plans run through private insurance carriers. It combines services in Parts A and B, and most add additional benefits that aren’t available in Original Medicare.
- Medicare Part D is prescription drug coverage. There are several options to choose from based on where you live, and your medications may not be covered under certain plans. Generally speaking Part D will not cover sexual health or weight loss medications.
Aside from those bundles, all Medicare packages do not cover:
- Annual Physical - instead it's called an Annual Wellness Visit
- Assisted Living
- Blood Pressure Monitors
- Cosmetic Surgery
- Foot Care
- Funeral Expenses
- Home Modifications
- Incontinence Supplies
- Long-term Care
- Nursing Homes
- Oral Surgery
Mobility Equipment and Medicare
Medicare will cover what you need, and are able to use, not necessarily what you want.
If you aren't steady enough with a cane or walker, and are still able to push, you might qualify for a manual wheelchair.
If you aren't strong enough for a manual wheelchair, but can safely get in, sit up, and operate the controls, you might qualify for a power-operated scooter.
If you aren't strong enough to sit up in the power-operated scooter, you might qualify for a power wheelchair.
In order to be approved for any of these devices, you must first visit your doctor's office in person.
If you have questions or concerns about what is or isn't covered under your plan, give one of our Independent Sales Representatives a call and they can walk you through your options.