Understanding Medicare Coverage
Whether you just enrolled in Medicare or have been enrolled for years, understanding provided coverage is important. Being able to maximize your coverage means that you’ll save money, but you first need to understand your specific policy. Learning about your coverage is an important step and requires some research. If you’re feeling stuck and confused, consider reaching out to an insurance professional who can answer your questions and ensure that you’re using your policy to its full ability.
One of the most important reasons to understand your policy is because you may end up paying significantly more if you don’t. If you receive a service that’s not covered by your Medicare policy, then you’ll be expected to pay for it entirely out-of-pocket. This could present a significant financial burden, so it’s essential that you understand your enrollment and what your coverage can be used for.
Medicare and Chiropractic Care
For those in retirement, chiropractic care can be helpful. Having a team of varying professionals can ensure that you’re getting all of the care you need and relying on multiple different methods. Maintaining wellness is important and chiropractors can be part of that.
Original Medicare only covers one chiropractic service. If you receive any other chiropractic attention besides this service, you’ll be required to pay the full amount out-of-pocket. If some of the bones in your spine are not in the correct place, Part B will cover a manual manipulation done by a chiropractor. It’s important to remember that this is the extent of that coverage. If the chiropractor suggests other care, it’s not within your coverage and you’ll need to pay for it on your own.
If you use your Part B coverage for the one chiropractic service, you’ll be required to pay 20% of the total cost. This is important to note, as Medicare coverage doesn’t mean that a service will be free. Being able to budget accurately can be an important part of financial success, so think about this amount if you may need chiropractic care in the future.
Some Medicare Advantage policies may allow for chiropractic care to be added on. If this is an area of coverage that you’d like, make sure you bring that up while enrolling. Making your needs known is an important part of enrolling in insurance and one that can save you thousands of dollars on care.
Concerned About the Costs of Medicare?
If you’re feeling anxious about how much Medicare can cost, know that there are different options available to reduce your bills. You can consider getting a Medigap policy or speak with your insurance agent — who will make sure you’re enrolled in the right plan at the right price each year.
If you have another form of insurance, see if it will cover chiropractic care. Being enrolled in multiple insurance policies is one of the best ways to cover medical costs, so call Cornerstone today and we’ll discuss your best options!