What If Medicare Part A Doesn’t Cover My Costs?



Affordable convenient ways to help cover Medicare Part A gap in coverage.

Medicare part A is government health care plan that covers most health care cost. It provides coverage for medically necessary expenses such as emergency hospitalization, most inpatient care, and most skilled nursing. To provide coverage for additional expenses most people will need a Medicare Supplemental Insurance Plan.

Expenses Medicare Part A Will Not Cover

Medicare Part A will not cover home health care, hospice care, custodial care, private duty nursing, dental care, routine foot care, routine eye care, or hearing aids. These are cost you must pay out-of- pocket.

Medicare Supplemental Insurance Plans

Medicare Supplement Insurance Plans are also called Medigap insurance. They help pay the out-of-pocket deductibles, co-insurances, and co-payments Part A will not cover. Medigap insurance plans are labeled A-D, F, high deductible F, G and K-N depending on your state. Part B will cover doctors services and supplies not covered by hospital insurance. While Part D pays for prescription cost.

Medicare Advantage Plans:

Medicare Advantage Plans were formerly called Medicare Part C. To qualify for a Medicare Advantage Plan you must have both Medicare A and B and live in area that honors Advantage Plans. Advantage Plans are sold by private companies that have a contract with Medicare. They cover healthcare costs such as hearing aids, prescription drugs, and have fixed amounts for doctors visits.

Medicare Select

Medicare Select is an affordable supplement that works similar to an HMO. The coverage is identical to regular supplemental insurance except policy holders must use a network of doctors, hospitals and specialist for their services to be covered. If customers visit a non-network doctor they will pay a higher cost, but, they can receive emergency care from any hospital. Also, to receive additional covered care within the network patients need a referral from their primary care physician.



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