Things Medicare Doesn’t Cover
Medicare is a health insurance program developed for seniors over the age of 65 and for people under the age of 65 for certain disabilities. Although this program does help alleviate many medical expenses, not everything is covered. There are different medicare plans available and it is important to have a general understanding of them to know when you will need to pay for an expense out of pocket. There are two parts to the program–Part A, hospital insurance and Part B, medical insurance. Some people are eligible for both automatically and others need to fill out a medicare enrollment application. It’s best to speak to a customer service representative for answers to specific questions. Here is a list of some of the things medicare does not cover: 1. Prescription drugs The basic Medicare plan does not offer any coverage for prescription drugs, however there are other options available from private insurance companies if you need coverage. Medicare Part D Prescription Drug Plans (PDPs) as well as Medicare Advantage (Part C) both provide varying options for drugs. 2. Long-term nursing home care Although Medicare does not generally cover long-term care, you can still use it for other services in the nursing home, such as medical supplies and visits from a physician.