5 Things Medicare Doesn’t Cover (And How To Get Them Covered)
February 8, 2023
It can be pretty surprising to people to find out that certain routine things are not actually covered by Medicare.
Medicare
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Medicare Supplements
- Health insurance sold by private insurance companies to fill the gaps in “Original medicare” Parts A & B.
- Plan coverages are standardized by the government to offer the same basic benefits across insurance companies. A medicare supplement plan letter indicates exactly what is covered.
- Go to any doctor that accepts medicare patients, no referrals needed.
Medigap Policies
Visit Medicare.gov for more information.
- Run by private insurance companies approved by medicare.
- Provides your part a and part b coverage, but can charge different amounts for certain services.
- May include prescription drug (part d) coverage.
- Offered as hmo, ppo, and pffs plans.
- Doctors can choose whether or not to accept the plan.
- Plans can change each year.
Prescription Drug Plans
Anyone who is entitled to Medicare Part A or enrolled in Medicare Part B can join a Medicare Part D prescription drug plan. This can be a stand-alone plan that complements Medicare Part A and Part B coverage, or it can be part of a Part C Medicare Advantage managed care plan that rolls together hospital, medical, and prescription drug insurance.
Visit Medicare.gov for more information on drug plans.
Resource Library
How Does Medicare Work When You Travel?
July 1, 2019
How does your medicare coverage work when you travel? Medicare is accepted by over 90% of providers nationwide.
Medicare Part D if You Take No Drugs?
June 20, 2019
Do you really need Medicare Part D if you’re not taking any medications? Not necessarily.