An Overview of Medicare Coverage
Medicare is divided up into different areas of coverage to simplify enrollment and so that all beneficiaries are aware of their individual coverage. Understanding what your Medicare coverage includes is essential when trying to save as much money as possible. Because Medicare’s coverage is relatively strict, there are certain things that will never be included in it. What these services are will depend on the type of Medicare policy that you have.
It’s important to keep in mind that any service you receive that isn’t within your coverage will need to be paid for entirely out-of-pocket. Receiving one of these services could be financially overwhelming for some, so it’s best to keep your Medicare coverage in mind. Medicare is intended to save those in retirement money, so take the time required to truly understand your policy and its coverage.
Making sure that your healthcare provider/facility accepts Medicare is an important part of using your coverage. Coordinating medical care with Medicare isn’t complicated if you fully understand the boundaries of your coverage.
Medicare Part B
Part B is one of the two parts that’s included within Original Medicare. It is primarily known for its outpatient coverage, as well as coverage for some durable medical equipment. Taking advantage of medical equipment coverage is one of the most important things that many people can do to save money. Medical equipment can be expensive, so consider if Medicare coverage could provide some financial relief. There are a few other things within the realm of Part B coverage, including ambulance services.
Outpatient Coverage
Many outpatient services are covered through Medicare. Laboratory tests are included, but they must be billed by the hospital. Medical billing can be complicated, so always reach out for help if you think your bill is different than it should be.
Preventative services, including screenings, are one of the most popular areas of coverage within Medicare. Because of its emphasis on preventative care, beneficiaries have access to the services that they need to keep track of their health. Being able to use preventative services is one of the most important components when maintaining your health, so make sure that you research more into this area of Medicare if you haven’t already.
Mental health outpatient treatment is covered through Medicare, though a doctor must deem it to be medically necessary. Inpatient mental health treatment is covered as well, though through a different part of Medicare.
From x-rays to emergency services, the scope of outpatient care that Medicare covers is extensive. If you have questions about your outpatient coverage, be sure to reach out and ask. It’s always better to ask now than have to pay later! At Cornerstone Senior Advisors, we’re here to make sure that you understand your Medicare policy and are enrolled in the right one. Being able to select the right Medicare policy can save you thousands of dollars each year, so let us help you in that process.