Types Of Medicare Coverage

    Published: 06-16-2009
    Views: 8,462
    Mary Alexander from Home Instead Senior Care discusses the types of medicare coverage that is available.

    Mary Alexander: Hi! I'm Mary Alexander from Home Instead Senior Care; today I'm talking about what it covered under the various part of Medicare and how to file claims. Medicare Part A helps cover in-patient care in hospitals, including critical care and rehabilitation. Part A also helps cover care and skilled nursing facilities, following a hospital stay, but only for a limited number of days.

    However, Medicare Part A does not cover long-term stays or non-skilled help with activities of daily living, such as bathing, dressing, eating and toileting. Medicare Part A does cover hospice care for the terminally ill, as well as some limited home healthcare services and supplies, if your doctor says they are medically necessary.

    Medicare Part B helps cover doctors and other medically necessary healthcare provider services, including diagnosis and treatment. It also covers outpatient care, durable medical equipment and some home health services. Medicare Part B also covers some preventative services, such as flu shot, cancer screenings or tests for certain medical conditions such as diabetes and cardiovascular health.

    Medicare Part C is also called Medicare Advantage, these are health plan options provided by approved private insurance companies that cover all of your Medicare Part A and Medicare Part B coverage. Many Medicare Advantage plans also offer a vision, hearing, dental, and/or Health and Wellness Programs at an extra cost. It is important to note these plans do not provide supplemental or gap coverage.

    Medicare Part D is Prescription Drug Coverage. For this you've two purchase options, first is through Medicare Advantage Plan, also known as Parts C, or second is the Standalone Medicare Prescription Drug Plan from an approved company. When it comes to claims, the good news is that only in very rare occasions will you have to file a claim on your own.

    If you're in Medicare Part A and/or B your doctors and other medical suppliers are required by law to file Medicare claims for covered services and supplies you get. If you get your Medicare Health Care through a Medicare Advantage Plan, also known as Parts C, these plans also do not require you to file claims, because Medicare pays these private insurance companies a set amount every month.

    While we've given you a broad overview, there are very set specifics on what is and what is not covered under all of the Medicare Coverage Option. Be sure to visit medicare.

    gov or Call 1-800 Medicare for Details.