What does Medicare cover?
Medicare coverage is split into different parts. These parts are:
- Part A – Hospital treatment, in addition to hospice and care in skilled nursing facilities.
- Part B – Outpatient care, such as doctor visits. This also applies to the preventive care you get, such as cancer screenings and vaccinations.
- Part C – Also called Medicare Advantage Plans. Once enrolled in Medicare Parts A and B, you can qualify for this. Medicare Advantage is a package deal, which not only includes the inpatient and outpatient care, but also the prescription drug coverage that you’d otherwise have to purchase separately.
- Part D – Prescription drug plan. You can get coverage for a minimum of two medications per category (including antidepressants, anticonvulsants, antipsychotics, anticancer, immunosuppressants, and medications treating HIV/AIDS).
Parts A and B together are referred to as Original Medicare.
What isn’t covered?
Medicare has its limitations. Examples of services not covered by Original Medicare:
- Dental care
- Vision treatment
- Hearing
- Cosmetic procedures
Custodial care is not covered, either. Custodial care is a long-term process where you receive assistance with everyday activities you can no longer do by yourself, such as getting dressed, bathing, and eating.
Original Medicare does not offer prescription drug coverage. So in the sense of Original Medicare, you would need another form of insurance for this. But with Medicare Advantage (the composite of Parts A, B, and D), you do not have to seek out other forms of prescription drug coverage as the plan comes with Part D.
Part D doesn’t cover drugs like barbiturates, benzodiazepines, weight loss pills, fertility pills, or cough medications.
If you want to know more about what Medicare can cover for you, call us today.
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