What does medicare cover?

Original Medicare is a federal health insurance program that primarily covers people who are 65 or older, as well as people with certain disabilities and those with End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS). Medicare coverage is divided into four parts:

1. Medicare Part A (Hospital Insurance): Part A covers inpatient hospital care, skilled nursing facility care, hospice care, and home health care.

2. Medicare Part B (Medical Insurance): Part B covers doctor visits, outpatient care, preventive services, and medical equipment and supplies.

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3. Medicare Part C (Medicare Advantage): Part C is an alternative to Original Medicare Parts A and B and stand-alone Part D prescription drug coverage. Advantage plans are offered by CMS-approved Insurance Carriers who are private insurance companies that contract directly with CMS/Medicare.

4. Advantage plans provide all of the coverage of Original Medicare Parts A and B and may also include additional benefits such as Part D prescription drug coverage, dental, vision, hearing, and wellness benefits.

5. Medicare Part D (Prescription Drug Coverage): Part D covers prescription drugs and is also offered by private insurance companies that contract directly with Medicare.

• Medicare Part D is optionally integrated with Medicare Advantage plans.

Original Medicare or Medicare Advantage Part C covers a wide range of medical services and supplies, including but not limited to:

• Doctor visits
• Hospitalization
• Lab tests
• X-rays and other imaging services
• Mental health services
• Prescription drugs (with Part D)
• Preventive services (such as flu shots and cancer screenings)
• Durable Medical equipment and supplies (such as wheelchairs and walkers)
• With many Medicare Advantage third-party carriers (insurance companies), ancillary benefits such as vision, dental, and wellness benefits are included as incentive benefits.

MedHelpCenter.us recommends that you call the Senior Health Insurance Agency at 813-592-8568 for further explanation.