Medicare Covered Services

2014 Medicare and Medigap Updates

Medicare Covered Services

Evaluating the usefulness and efficiency of Medicare almost always begins with an assessment of Medicare covered services. Think about it; the reason why you are getting Medicare is because there are certain medical services that you hope will be shouldered by the government so you will be able to save on medical expenses. Being able to match these with your needs is one of the best things you can do to ensure that you are getting the services that will help you save money while catering to your medical necessities.

To assess Medicare covered services, we will need to break down Medicare into its sub-component packages, namely Part A, Part B, Part C and Part D.

Part A. Part A in Medicare is essentially the base plan that is available to everyone. To say that you have Part A coverage means you have the bare minimum for what Medicare covers.

Included in Part A Medicare covered services are blood services, home health services, including skilled nursing care to take care of your needs while you are on medical care at home, hospice care for people that are suffering from a terminal illness, in-patient hospital services most notably doctor fees, room coverage, drugs identified as part of the in-patient care routine, and general nursing care, and last but certainly not least, skilled nursing facility care as stipulated by your attending physician after not less than 3 days of in-patient care in a hospital.

Part B. Part B is a complement to Part A Medicare and shoulders costs pertaining to medical services. This should be contrasted against Part A which is primarily used for care. Typical Medicare covered services under Part B Medicare include test and laboratory fees, outpatient care, medical equipment fees, and other preventive services including but not limited to annual checkups for specific conditions for which the patient has obtained a certification for necessity. Specific examples of these include bone mass measurement for people with osteoporosis risks, cardiac examination and rehabilitation following a cardiac surgery, regular cardiovascular screening, and even colorectal cancer screenings if you are identified as susceptible to colon cancer.

In contrast, the following services are not covered under any Medicare plan: dental care, long-term care most notably those that exceed 6 months, cosmetic surgeries, dentures, eye care, and hearing aids.

In addition, Medicare covered services are offered under advanced Medicare plans Part C and Part D. Inclusions in Part D include support for prescription drugs while Part C deals mostly with additional coverage of the services already cited in Part A and B but are not covered 100% by those plans. Suppose that your services are only paid for up to 80% of the costs, Part C will give you the opportunity to bring the coverage up to 90-100% wherever applicable.

Do not ever skip the step of assessing the offered Medicare covered services before buying into the plan. Make judicious analysis of the compatibility of these to your specific needs so you can be assured of paying the services that will best benefit your specific needs when you find yourself in a hospital or care center.