Can I Increase the Odds That Medicare Will Cover My Medical Service?
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.
Making Sure You Have Adequate Coverage
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.
How Much More Coverage Do I Get With Plan?
The government allows companies to offer only certain Medigap plans, each designated with their own letter. The coverage of the plans does not match the coverage under standard Medicare, but what each supplemental insurance policy offers is spelled out on the official web site. By seeing what each plan covers, a person can increase his chances that he will have the right coverage when the time comes. The trade off for increasing a person’s chances that Medicare or Medigap will cover a given service is paying more money for the coverage.