If you need to have surgery, your Medicare will cover the procedure. Medicare Part B covers surgery costs and any medically necessary treatments associated with the surgery. Medicare Part A will cover any hospitalization that was necessary and any follow up home health care if required. Part D will cover any prescriptions. If you have an Advantage plan, the procedure will be covered under that plan excluding any co-payments or deductibles you may have for the procedure. Medicare will pay for transplant surgery and all the related expenses. They will also cover any expenses that are incurred from renal failure.
Medicare does not cover any type of surgery they deem elective. This includes plastic surgery, unless needed to correct a problem. Any type of surgery that is not considered medically necessary will not be covered, nor will any associated follow up care. Medicare will also not cover any prescriptions, therapy or additional treatments that is necessary as a result of the elective surgery. Cataract surgery, while often considered elective is, however, covered by Medicare. You will also be able to receive one pair of eyeglasses at this time. Otherwise, eyeglasses are not covered by the program.
Medicare, after deductible and co-payments will pay, on average 80% of your medical bills. You will be responsible for all the other expenses. Many people find that they can arrange a payment plan with the provider for the remaining balance of a bill. Providers understand that retiree’s are often on a budget and are willing to work with them. Many times a provider will offer discounts to the patients for prepaying their service. Some charity organizations will also help people who have very high medical expenses negotiate for lower rates on their bills.