What Part A covers
Medicare covers services (like lab tests, surgeries, and doctor visits) and supplies (like wheelchairs and walkers) considered medically necessary to treat a disease or condition.
What Part B covers
Medicare covers services (like lab tests, surgeries, and doctor visits)
and supplies (like wheelchairs and walkers) considered medically necessary
to treat a disease or condition.
Part B covers 2 types of services: Medically necessary services:
Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.
Preventive services: Health care to prevent illness (like the flu) or detect it at an early stage, when treatment is most likely to work best. Medicare coverage is based on 3 main factors
1. Federal and state laws.
2. National coverage decisions made by Medicare about whether something is covered.
3. Local coverage decisions made by companies in each state that process claims for Medicare. These companies decide whether something is medically necessary and should be covered in their area.
What Part A & Part B doesn't cover
Medicare doesn't cover everything. If you need certain services Medicare doesn't cover,
you'll have to pay for them yourself unless you have other insurance or you're
in a Medicare health plan that covers them. Even if Medicare covers a service or item, you generally have to pay your Part A deductible (about $1,300) and coinsurance 20% of all Part B charges, and Part B yearly deductible about $183 per year)
What we offer you is a MediGap Policy that pays for the portions that Medicare leaves off