When people enroll in Medicare they assume their Medicare benefits covers everything they will need. That is something that is not true. While Medicare benefits include a lot of things, there are some things that Medicare parts A and B don’t cover. It’s a little hard to understand the limits but it’s something that needs to be discussed and understood.
As people sign up for their Medicare benefits, they are sent a book. Each year this book gives a short list of things that are not covered by Medicare parts A and B. This list is made of the most commonly asked about procedures and benefits requested.
What’s Not Covered
Medicare benefits are important for anyone that doesn’t have any other coverage for their medical needs. It’s the largest insurance program in the country because millions of people enroll into the program or continue their benefits every year. Because it’s so popular, there are certain things that won’t be paid for.
Some of the most common things people think are covered by Medicare parts A or B are:
These are some of the most asked about services that are not a part of the Medicare benefits package.
How It Gets Paid
When things are not covered by Medicare benefits it doesn’t mean that people can’t have the care. It simply means they have to find a different way to pay for it. There are different ways these services can be paid for. The payment method depends on the person, their resources and other personal factors.
Supplemental Medicare Insurance- Some people choose to enroll in a supplemental insurance program to help pay for things that are not included in their Medicare benefits. Because these benefits are not a part of the Medicare program there are different plans available. Some supplemental insurance benefits include dental care, hearing aid exams and much more. Other plans may include long term care. Supplemental Medicare insurance is optional to get but a great option for those that can afford it.
Dual Coverage- There are some people that qualify for dual insurance coverage. These people are eligible for Medicare benefits and Medicaid benefits. Many times Medicaid will help pay for the services that are not covered by Medicare benefits.
Out of Pocket Payments- Some people are able to pay for anything that isn’t covered by their Medicare benefits. These individuals still get the services but they pay for them as the bills come in. While this is an option, it can be an expensive option. When patients are paying for their services themselves, many providers offer a discounted price or even payment plans to help ease the financial burden.
The benefits that are not paid by Medicare can be paid for in different ways. Medicare doesn’t prevent people from getting the care they need. They just have a limitation on the benefits given like other insurance policies do. While Medicare benefits don’t cover everything that someone may need, the services are still available to those that need it.