When a person has Medicare as his only form of health insurance coverage, he wants to make sure that his health insurance plan will pay for most, if not all, of the services he requires. A doctor can order tests, but he cannot guarantee he will receive any reimbursement from Medicare. A patient can choose to increase chances that he will have the needed coverage in several ways, but he cannot increase the services that Medicare itself covers. He can change parts of his Medicare coverage by adding or dropping certain plans, but each part spells out what it can and cannot cover.
Medicare offers three parts for the average consumer. Part A covers hospitalization services, Part B covers outpatient services, and Part D covers a person’s prescription drugs. Having Parts A, B and D covers most services that a patient will need, but even with the three common parts of coverage, a beneficiary still may not have all the coverage he needs. In order to increase the chances that a Medicare recipient’s insurance policy will provide needed services, a beneficiary may want to purchase a Medicare Supplemental Plan to cover gaps.